spoctoX spoctoX
spoctoX
  • Products
    SpoctoX

    The platform

    Improving customer contactibility

    Developer Support

    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
  • About Us
    • About spocto
    • About Yubi
    • Media Centre
  • Career
  • Insights
    • Case Studies
    • Blog
  • Industries
    • Agriculture
    • Mudra
    • Retail
    • Insurance
    • Business
Book a Demo Grievances

On-Ground Collections. Now in Your Control.

Track every field agent in real time, monitor collections progress and improve recovery outcomes — all through AI powered intelligence.

    A single Field App for your FOS

    Recover More Per Day — Without More Agents

    Geo-tagged check-ins and real-time tracking help lenders ensure agents are on the ground, at the right place, with zero room for misreporting.

    Know Where Your Agents Are. And What They’re Doing.

    Geo-tagged check-ins and real-time tracking help lenders ensure agents are on the ground, at the right place, with zero room for misreporting.

    Cloud Calling and SMS. Monitored and Measurable.

    Track borrower contact status with call/SMS features embedded in the app — ensuring communication is timely, contextual and auditable.

    One Dashboard. Complete FOS Performance Insights

    Identify top performers, lagging agents and real-time productivity patterns — so you can reward impact and optimize collections planning.

    Why an FOS App

    See What Happens on the Ground — Without Leaving Your Desk

    100%+

    visibility into field operations

    35%

    faster case closures with automated routing

    90%

    drop in coordination calls between agents & backend

    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

    FAQs

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

    Yes. Field+ supports secure API and SFTP-based integrations, ensuring seamless data flow between your core systems and on-ground operations.

    All geo-tags, communications and case updates are encrypted and stored within your lender environment. Access controls and audit trails ensure every action is trackable and compliant with RBI norms.

    No problem. Field+ allows agents to continue working offline — all task updates and visit data sync automatically once connectivity is restored.

    Yes. The manager dashboard provides live visibility of every agent’s route, task status, and collection progress — enabling instant insights and faster decision-making.

    Yes. The app is fully compatible with both platforms and optimized for secure enterprise use.
    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

    Quick links
    • Products
    • About Us
    • Careers
    • Insights
    • Industries
    Legal
    • Legal & Compliance
    • Privacy
    • Grievance Policy
    • CSR Policy
    • CSR Committee
    • Terms of Use
    • Annual Report
    All Rights Reserved spocto 2025
    We use cookies to enhance your experience and analyze our traffic.

    Privacy Preference Center

    Your privacy is important to us. This preference center allows you to manage how different categories of cookies are handled on our website.

    Strictly Necessary Cookies

    Essential for the site to function properly.

    Performance Cookies

    These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site.

    Functional Cookies

    These cookies enable the website to provide enhanced functionality and personalisation.

    Targeting / Marketing Cookies

    Used to track visitors across websites for advertising and targeting.

    Third Party Cookies

    Cookies set by services that appear on our pages, such as social media or embedded content.

    Other Cookies

    Other uncategorized cookies that are being analyzed.

    We are using cookies to give you the best experience on our website.

    You can find out more about which cookies we are using or switch them off in .

    Powered by  GDPR Cookie Compliance
    Privacy Overview

    This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.

    Strictly Necessary Cookies

    Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings.