THE BHARAT PROBLEM

Rural India faces a mounting debt resolution crisis where borrowers’ changing realities go unseen, lenders’ tools fall short, and the system prioritizes collection over resolution. Without empathetic engagement, verified data, and a structured infrastructure, both borrowers and lenders remain stuck: borrowers spiral into distress, while lenders face rising non-performing assets.

Cgreen was created to break this cycle — by uncovering the delta between borrowing and repayment, empowering local agents, and building a scalable, AI-powered resolution network that restores dignity, trust, and clarity across Bharat.

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Scaling with Purpose,
Solving For Bharat

Every milestone strengthens our mission to empower rural India through smarter resolutions and inclusive finance

OUR SOLUTION

THE CGREEN APPROACH

VISION

At Cgreen, we envision a financially resilient Bharat where every borrower — no matter how small — has access to fair, empathetic, and effective debt resolution.We are building India’s first voice-AI powered, field-enabled loan resolution infrastructure that bridges the gap between lenders and rural borrowers, uncovering the real reasons behind distress and creating pathways to restore trust, dignity, and financial inclusion. Our goal is simple: To transform the way Bharat resolves debt — from a system that chases collections, to one that enables sustainable recovery and future lending.

MISSION

At Cgreen, we envision a financially resilient Bharat where every borrower — no matter how small — has access to fair, empathetic, and effective debt resolution.We are building India’s first voice-AI powered, field-enabled loan resolution infrastructure that bridges the gap between lenders and rural borrowers, uncovering the real reasons behind distress and creating pathways to restore trust, dignity, and financial inclusion. Our goal is simple: To transform the way Bharat resolves debt — from a system that chases collections, to one that enables sustainable recovery and future lending.

PLATFORM

OUR
SERVICES

Our innovative suite of financial products and services are oriented towards small businesses operational across the BFSI sector. Our offerings empower small businesses to forward their services and grow in undeserved markets, bridging gaps in financial inclusion, starting from small-ticket collections and moving on to other financial services such as lending.

Pragati Kendra Services

A technology-enabled collections engine built for rural India. Our platform empowers agents to track, follow up, and recover small-ticket loans efficiently with AI-driven insights and customer interaction tools.

Seamlessly access banking and financial products, Insurance sales, investments, transactions, and liability—delivered through one powerful platform, fully integrated to meet rural customers’ needs.

Become a certified Pragati Kendra franchisee with full onboarding, training, and operational support and can then offer a comprehensive suite of financial products to end customers.

For Lending Institutions

ML-Powered Debt Collection: Boost repayment rates with our AI/ML-driven collection engine. We analyze borrower behavior, predict repayment probabilities, and equip agents with personalized communication prompts—delivering smarter, scalable recovery for small-ticket loans in rural India.

Customer Feedback & Transcription Services: Every borrower-agent interaction is recorded, transcribed, and analyzed using NLP. This creates actionable insights, voice-based borrower profiling, and quality assurance to improve engagement strategies and collection outcomes.

Data Management & Analytics: We centralize and cleanse credit bureau, lender, and field data to generate 360° borrower views. Our dashboards and analytics models help banks make informed decisions on collections, risk, and product design.

Our Team

Vipr Raj Bhardwaj

CEO

Ex-FINO, Suryoday, ICICI.
Built rural distribution networks and recovery units.​

Nikhar Agrawal​

Head- Product​​

Ex-Spandana, Vaya, Suryoday. Unsecured systems and ​ design expert. ​

Vineet Singh

Head Collections Unit

Ex ICICI Bank, HDB, Spocto, VGM.

Vinay Shetty

Head- Tech

Ex-FINO. Core tech builder for scalable banking systems​.

Vikas

Nominee Director

Ex-Cashfree, Fino Payments Bank, Bose. ​

Makrand Manjrekar​

Head- Ops Risk & Compliance

Ex IDBI Bank, Fino Payments Bank​

Partners In Impact

Contact Us

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