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Starts at
₹800/mo
Spocto
by Spocto · Mumbai, Maharashtra
AI-enabled loan recovery platform that improves borrower contactibility for lenders.
- Starting price
- Price on request
- No prices on spocto.com
- Free trial / plan
- No free plan
- Book a demo
- Deployment
- Cloud
- Web
- App Advisor rating
- 4.2
- transparency & India fit
What is Spocto?
Spocto is a Navi Mumbai-based loan recovery company and part of the Yubi Group. Its software platform, Spocto X, combines AI scoring, omnichannel reminders, voice and video bots, call centre tooling and a field agent app. Banks and NBFCs can buy it as software, but Spocto also runs collections with its own agent network. The homepage claims 6,000+ field agents, 9.5k+ DRA-certified agents and call centres in Noida, Chennai, Mumbai, Bangalore, Kolkata and Hyderabad. That hybrid model is the main reason to shortlist it.
Named clients include HDFC, Bank of Baroda, Bank of Maharashtra, Bank of India, Bajaj Finserv and Amazon Pay, plus Emirates NBD and Commercial Bank of Dubai from its Dubai office, which opened in FY22. Spocto says it handled collections from 35 million accounts that year. The YuVoice bot handles Hindi, Telugu, Marathi, Punjabi, Tamil, Kannada and English. Spocto's own pages disagree on the count: the marketing says 20+ languages and the FAQ says 10+. Smart Collect picks the channel, language and tone for each borrower, and Spocto says a workflow can be configured in under a day.
There are gaps. Spocto publishes no prices, no trial and no security certifications, and the developer documentation subdomain linked from the site did not resolve when we checked. Product names are also inconsistent: the voice bot is called YuVoice in the menu and Bhaasa in the body text. Many of the numbers are self-reported results such as an 80% cut in manual effort, so ask for references from a lender with a similar portfolio.
Spocto suits mid-to-large lenders that want to outsource part of the collections operation, not just license software. A small NBFC that only needs WhatsApp payment reminders will find it more than it needs.
What works well
- +Software plus managed field and call centre agents available from one vendor
- +YuVoice voice bot works in major Indian languages including Hindi, Tamil, Telugu and Marathi
- +Smart Collect ML model chooses channel, language and message intensity per borrower
- +Field Plus app geo-tags every interaction and records voice and video
- +YuCI transcribes calls in real time and raises compliance alerts on risky conversations
- +Named Indian bank clients include HDFC, Bank of Baroda and Bank of Maharashtra
What to watch out for
- −No public pricing, plan structure or free trial on spocto.com
- −No company-level security certifications are listed on the website
- −Language and channel counts conflict between pages (10+ vs 20+ languages, 8+ vs 10+ channels)
- −The developer documentation link pointed to a subdomain that did not resolve when checked
- −Most performance figures are vendor-reported with no independent verification
Best suited for: Banks and large NBFCs that want collections software and outsourced agents together · Lenders with borrowers spread across many pincodes and vernacular languages · Unsecured retail lenders needing high-volume early-bucket reminders · Indian lenders with operations in the UAE or wider MENA region
Spocto at a glance
Analysing Spocto — pricing, features, reviews and alternatives…
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Spocto features
Researched from Spocto's official product pages · updated October 2026.
Insights
- Spocto Score behavioural risk scoring
- Recommendation Guru dynamic allocation
- Connect for borrower contactability
- Real-time feedback loops on analytical models
AI engagement
- YuVoice GenAI voice bot with pre-trained collection intents
- Detection of invalid contacts, missing consent and language mismatch
- YuVin personalised video messages
- YuCI real-time transcription and risk alerts
- Handoff to live agent, SMS link or IVR
Execution
- Smart Collect omnichannel orchestration across SMS, WhatsApp, email, voice and video
- Call Plus agent-borrower pairing
- Field Plus geo-tagged field app with nearest-agent allocation
- Pay Dues borrower payment journeys
- Payment links triggered from the field app
Workflow and governance
- Smart Settle gamified settlement journeys
- Smart Legal case handling in one dashboard
- Vigil compliance management
- Data masking with click-to-call through the app
- 100% recording of field voice and video
AI capabilities
- Agentic AI for automated collection strategy execution
- GenAI voice bot with contextual replies by borrower bucket and profile
- Real-time speech analytics flagging at-risk interactions
Spocto pricing (INR)
SourceEvery edition as published by the vendor. Prices exclude GST unless stated. Full Spocto pricing breakdown
Spocto X platform
Quote on request
- Insights: Spocto Score, Recommendation Guru, Connect
- AI products: YuVoice, YuVin, YuCI
- Execution: Smart Collect, Call Plus, Field Plus, Pay Dues
- Workflow and governance: Smart Settle, Smart Legal, Vigil
Other pricing options & add-ons
Managed field and call centre collections
Spocto lists its own field agents and call centres in six Indian cities
Quote on request
- • Spocto does not publish pricing; the website offers only a Book a Demo route.
- • Products are listed as separate modules, so pricing likely depends on the modules and services chosen; confirm the basis and GST in the quote.
- • Contact phone listed: +91 22 20886445.
Buying for a team? App Advisor can get you a volume quote and any partner discount available.
Integrations, security & India
Integrations
- SMS
- IVR
- Payment links (Pay Dues)
Security & compliance
- Data masking in the field app, with borrower calls placed only through the app
- Consent recording and a centralised audit trail on voice bot calls
- Vigil compliance management module
For Indian businesses
- Address in Airoli, Navi Mumbai, Maharashtra; part of the Indian Yubi Group
- Voice bot FAQ lists Hindi, English, Telugu, Marathi, Punjabi, Tamil and Kannada
- Claims coverage across 14,000+ Indian pincodes, with call centres in Noida, Chennai, Mumbai, Bangalore, Kolkata and Hyderabad
- Agents are DRA-certified, the IIBF certification Indian banks expect for recovery agents
Trust, compliance & who uses Spocto
55+ customers onboarded (vendor claim)
Customers
Is Spocto the best choice for you?
Best choice if you are…
- Banks and large NBFCs that want collections software and outsourced agents together
- Lenders with borrowers spread across many pincodes and vernacular languages
- Unsecured retail lenders needing high-volume early-bucket reminders
- Indian lenders with operations in the UAE or wider MENA region
Look elsewhere if you are…
- Small businesses chasing B2B invoice payments
- Lenders that want a self-serve tool with published pricing
Still comparing? Get an unbiased shortlist and demos arranged for free.
Sources (6) · updated October 2026
Specifications
- Category
- CRM software, AI tools, Insurance, lending & banking CRM
- Vendor
- Spocto
- Headquarters
- Mumbai, Maharashtra
- Founded
- Not published
- Pricing model
- Quote-based
- Starting price
- On request
- Deployment
- Cloud
- Platforms
- Web
- Best for
- Mid-market, Enterprise
- Made in India
- Yes
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Spocto — frequently asked questions
What is Spocto?+
Spocto is an Indian loan recovery platform from Navi Mumbai and part of the Yubi Group. Its Spocto X suite covers borrower risk scoring, omnichannel reminders, a multilingual voice bot, call centre and field agent tools, settlement and legal workflows. Spocto also runs collections with its own field agents and call centres for banks and NBFCs.
How much does Spocto cost in INR?+
Spocto does not publish prices on spocto.com. You get a quote after booking a demo. Because Spocto sells separate modules and can also supply managed field and call centre agents, the price depends on what you take. Confirm in writing whether the quote includes 18% GST and how variable recovery-linked fees work.
Does Spocto offer a free trial?+
No free plan or free trial is listed on the Spocto website. The only route in is a demo booking. Spocto says a Smart Collect workflow can be configured in under a day, so ask for a time-boxed pilot on one delinquency bucket and measure contact rates and recoveries before signing.
Which languages does the Spocto voice bot support?+
Spocto's YuVoice page markets 20+ languages, while its FAQ lists 10+ major Indian languages including Hindi, English, Telugu, Marathi, Punjabi, Tamil and Kannada. Check with Spocto that the specific languages your borrowers speak are live, and listen to sample calls in each language before rollout.
Who uses Spocto?+
Spocto names HDFC, Bank of Baroda, Bank of Maharashtra, Bank of India, Bajaj Finserv, Mercedes Benz Bank and Amazon on its homepage, plus Emirates NBD and Commercial Bank of Dubai. It claims 55+ customers onboarded and says it handled collections from 35 million accounts in FY22.
Spocto vs Mobicule mCollect: which is better?+
Spocto suits lenders that want AI-led engagement and the option of outsourcing agents, since it runs its own field and call centre network. Mobicule mCollect is a software platform with a strong offline field app and SARFAESI and Section 138 legal notice workflows. Choose by whether you need services or only software.
Does Spocto have a field collection app?+
Yes. Spocto's Field Plus is a field agent app that geo-tags every interaction, allocates cases to the nearest agent, records voice and video, masks borrower data and lets agents trigger payment links. Spocto does not state the supported phone platforms, and no public app store listing was found.
Is borrower data secure with Spocto?+
Spocto describes data masking in its field app, consent recording and an audit trail on voice bot calls, and a Vigil compliance module. Its website lists no ISO 27001 or SOC 2 certification, so request certificates, hosting location and RBI outsourcing compliance documents from Spocto during due diligence.
Is Spocto made in India?+
Yes. Spocto is an Indian company with its registered address in Airoli, Navi Mumbai, Maharashtra. It is a Yubi Group company, and its board includes Yubi founder Gaurav Kumar. Spocto opened its first overseas office in Dubai in FY22 to serve lenders in the Middle East.
What is Spocto?+
Spocto is crm software by Spocto, an Indian company from Mumbai. AI-enabled loan recovery platform that improves borrower contactibility for lenders.
How much does Spocto cost?+
Spocto is priced on request. Request a demo through App Advisor and we will ask the vendor for a written quote.
Does Spocto offer a free trial or free plan?+
Spocto does not advertise a free plan; ask the vendor for a trial or a guided demo.
Is Spocto made in India?+
Yes. Spocto is built by Spocto, headquartered in Mumbai, Maharashtra.
Who is Spocto best suited for?+
Spocto suits mid-market, enterprise buyers looking for crm software with ai tools and insurance, lending & banking crm.
What are the best alternatives to Spocto?+
Popular alternatives in crm software include Zoho CRM, Freshsales, LeadSquared. Use App Advisor's compare tool to see them side by side.
How is Spocto deployed?+
Spocto is available as a cloud (SaaS) product, with web access.
Guides that mention Spocto
About Spocto
Spocto · Mumbai, Maharashtra · 1 product in our catalogue · Indian company
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