Credit Nirvana

Credit Nirvana is an agentic AI-native collections intelligence platform purpose-built for Indian banks, NBFCs, ARCs, and housing finance companies. The platform deploys Maestro, a proprietary agentic AI engine, to automate the full post-origination debt lifecycle — from early warning signals through settlement and legal enforcement — using voice, WhatsApp, SMS, and field channels across 10+ regional Indian languages. Built from within Perfios, India's leading BFSI data infrastructure provider, Credit Nirvana leverages 400 million data points and 14 production ML models to drive predictive collections across a managed portfolio exceeding $9 billion across 42 million accounts. The platform is ISO 27001, SOC 2 Type II certified and fully compliant with RBI Fair Practices Code and India's DPDP Act 2023.