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spoctoX
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    SpoctoX

    The platform

    Improving customer contactibility

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    Improving customer contactibility
    Insights

    Spocto Score

    AI backed score on basis of behavioural data

    Recommendation Guru

    Machine-recommended dynamic allocation engine

    Connect

    Improving customer contactibility
    AI Products

    YuVoice

    Human like, outcome driven multilingual conversational bot

    YuVin

    AI-driven personalised video messaging for borrowers

    YuCI

    Real-time transcription & AI-driven risk monitoring for borrower conversations
    Workflow

    Smart Settle

    Gamifying settlement journeys

    Smart Legal

    All things legal sorted in one-user friendly dashboard
    Governance

    Vigil

    Compliance Management Redefined
    Execution

    Automated Collection

    Fully automated collection strategy with Agentic AI

    Smart Collect

    Omni Channel Engagement across all digital channels

    Call Plus

    Perfect agent-customer pairing

    Field Plus

    Tech-enabled field collection support

    Pay Dues

    Empowering borrowers by streamlining payment journeys
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Book a Demo Grievances

Let AI Take Over Your Collections Strategy — From Allocation to Collections

Spocto X executes your entire collections plan the moment you upload your allocation file — No delays, No dependencies, No manual gaps.

    Collections powered by Agentic AI

    From File to Full-Fledged Campaign — In Minutes

    Spocto X automatically ingests your allocation file and begins execution instantly — no mapping, no formatting. Whether you're uploading via API or SFTP, it just works seamlessly.

    • Automatic Ingestion
    • Instant Launch

    Smart Segmentation. Zero Guesswork

    Our system intelligently classifies borrowers based on payment behavior, risk indicators and intent to pay — and auto-assigns them to the right campaigns with the right channels. No manual segmentation needed. Just measurable outcomes.

    • Intelligent Borrower Classification
    • Automated Campaign Assignment

    Manual vs. Automated Strategy Execution

    Choose your level of control.

    • Manual Mode: You define the strategy, segment, and flows
    • Automated Mode: Let the system take full charge with dynamic logic

    Discover the Future of Collection

    Experience the power of fully automated collections — faster, smarter, and effortless with Spocto X.

    62%+

    Increase in total recovery rates

    45%

    Reduction in cost-to-collect

    38%

    Faster early-bucket resolution

    Every Borrower Gets the Right Message — On the Right Channel

    Spocto X personalizes communication timing, channel, and language based on each borrower's behavior — ensuring better engagement and faster recovery.

    See What’s Working. Improve What’s Not. Instantly.

    No waiting for reports. See real-time campaign performance and get system-driven recommendations to boost effectiveness — all on a live dashboard.

    Bhaasa has transformed our debt collection process. This empathetic approach not only improved success rates but also maintained compliance and borrower trust at scale.

    Ramsunder B.
    Mr. Ramsunder B.

    Vice president, FinTech & Strategy

    TVS Logo

    Another great testimonial about Bhaasa's amazing service and features.

    Ramsunder B.
    Mr. Ramsunder B.

    Vice president, FinTech & Strategy

    TVS Logo

    Transform Your Debt Collection

    Enhance efficiency with intelligent communication solutions.

    Unlock the Power of AI Voice
    Unlock the Power of AI Voice

    Engage borrowers at scale in their preferred language

    Learn More
    Ensure Seamless Borrower Conversations
    Ensure Seamless Borrower Conversations

    Human-like interactions that drive higher resolution rates

    Learn More
    Achieve Results with Precision
    Achieve Results with Precision

    Outcome-based flows that adapt to each borrower's response

    Learn More

    TRUSTED BY

    Bank of Baroda
    HDFC Bank
    Union Bank
    TATA Motors
    Bajaj Finserv
    Bank of Baroda
    HDFC Bank
    Union Bank
    TATA Motors
    Bajaj Finserv

    FAQs

    Find answers to your most pressing questions about our services and how we can help.

    Spocto X uses agentic AI models trained on historical repayment behavior, intent-to-pay signals, and contact responsiveness. The system predicts the most effective channel, timing, and frequency for every borrower — continuously learning and refining with each interaction.

    Absolutely. You can view every campaign, borrower segment, and performance metric in real time — and switch between Co-Pilot (manual) and Auto-Pilot (AI-led) modes anytime.

    Yes. You have full flexibility to adjust segments, outreach frequency, or channel logic at any stage. The AI assists — never replaces — your strategic oversight.

    Most lenders go live within 48–72 hours after sharing their first allocation file. The platform’s pre-built logic and templates eliminate the need for lengthy configuration.

    Yes. All borrower data, communications, and audit logs are encrypted end-to-end and fully compliant with RBI guidelines, ISO 27001, and our internal governance framework.
    Get A Free Demo

    Transform Debt Collection
    with Spocto X

    Automate, personalize and simplify your collections with precision

    Book a Demo

    Address

    Unit 603 & 604, 6th Floor, B&C Wing, Reliable Tech Park, Thane – Belapur Road,
    Gavate Wadi, MIDC, Airoli, Navi Mumbai, Maharashtra – 400708, India

    Contact

    +91 22 20886445

    hello@spocto.com

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