Mobicule

Mobicule's platform is built around regulatory rigor, with its solutions designed for compliance with TRAI, the Digital Personal Data Protection (DPDP) Act, and RBI regulations governing recovery practices. The company's flagship platform, mCollect, unifies the entire collections ecosystem—from AI-powered digital nudges, intelligence led tele-calling, empowered field operations with an industry-first mobile app for field agents, settlement and repossession of asset to legal compliance automation. This is all encapsulated into a single system that manages the entire collection journey, from first contact through legal escalation. Alongside it sit three purpose-built platforms: Neeti, which applies real-time data and gamification to drive recovery team performance; NetraScan, an AI-powered digital KYC solution for fast, secure customer onboarding; and Kanak, a gold loan and auction management platform automating the lending cycle from origination to disbursement. Mobicule's client base includes major private banks and NBFCs such as Kotak Bank, RBL Bank, DCB Bank, and LIC Housing Finance, telecom operators including Vi, Tata Play, and Tata Play Fibre, and lending institutions like Muthoot Finance, Bajaj Credit, Hero FinCorp, and InCred. The company has expanded its footprint beyond Mumbai & Pune to Nipani, Indore, Bangalore and Chennai in recent years, building an integrated phygital contact centre and dedicated print-to-post facility. It is looking to target an annual revenue of approx. 75 Crores for this financial year with a strong workforce of 375+ employees. Led by Founder and Managing Director Siddharth Agarwal, alongside Co-founder and Chief of Products Yatin Pednekar and CTO Prasad Patil - an industry leader with the rare blend of domain experience, technology and scale, Mobicule continues to position itself at the intersection of two forces reshaping Indian lending: tightening regulatory oversight on collections and the push toward fully digital, auditable recovery operations.