India's Full-Stack NPA Servicer

Where
Distressed
Portfolios Find
Resolution.

Calling · FOS · Legal — one integrated unit, operating where traditional servicers don't: Tier 2–4 towns and rural India.

Partner With Us → See How We Work
As at March 2026  ·  Sampann Finance
0Cr+
Active NPA Portfolio AUM
0+
In-House FOS Officers
0+
Sec-14 Filings
0
States Covered
0
Active ARC / NBFC Empanelments
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Empanelled With
Finova Capital – CFM ARC Universal Sompo – CFM Fulleton India – JC Flowers ARC Grihum Housing – ARCIL Bandhan Bank – ARCIL Ambit Finvest – RARE ARC Finova Capital – CFM ARC Universal Sompo – CFM Fulleton India – JC Flowers ARC Grihum Housing – ARCIL Bandhan Bank – ARCIL Ambit Finvest – RARE ARC
What We Do

Three layers.
One integrated
machine.

Unlike aggregators who rely on external vendors, every function at Sampann is in-house. Calling knows what Legal is doing. Legal knows what the field found. No gaps. No delays.

01
📞
Calling Layer
Multi-locational call centre with predictive dialling, AI bot integration, and structured escalation protocols for each DPD bucket.
Predictive Dialling AI Bot Structured Escalation
02
🗺️
Field Operations
100+ in-house FOS deployed across Tier 2/3/4 towns using density-optimised routing. Deep rural coverage in Rajasthan, MP, CG, Delhi.
100+ FOS Density-Optimised Rural Tier C/D
03
⚖️
Legal Enforcement
25-member in-house team executing the full SARFAESI chain — from 13(2) demand notice to physical possession and auction — with zero external dependency.
SARFAESI IBC Arbitration
By The Numbers

Results that
speak plainly.

₹0Cr+
Active NPA Portfolio
0+
Sec-14 Filings (Cumulative)
0+
CMM / DM Orders Obtained
0
Properties Under Auction
₹0Cr
Monthly Recovery (Mar '26)
0
Office Locations
0+
In-House FOS Officers
0
ARC / NBFC Empanelments
SARFAESI Process

From notice
to resolution.

Every step of the SARFAESI enforcement chain handled in-house — giving ARCs and NBFCs full accountability at each stage.

13(2)
Demand Notice
13(4)
Possession Notice
S14
CMM / DM Order
SP
SP / Tehsildar
⚡
Auction & Sale
PHASE 01
Demand & Engagement
13(2) notice triggers parallel calling and FOS contact campaign. Borrower profiled; settlement propensity scored.
PHASE 02
Possession & Legal Pressure
13(4) followed by Sec-14 CMM/DM filing. SP/Tehsildar notices sent. Physical possession executed where ordered.
PHASE 03
Auction & Resolution
Property auctioned or OTS negotiated. Full documentation and title transfer managed internally to closure.
"The moment you separate calling from field from legal, you create gaps — and gaps are where recovery is lost."
— Mohit Agarwal, Founder & Director, Sampann Finance
Our Services

Everything you need.
Nothing outsourced.

01
Retail NPA Servicing
Core Business
Full-stack servicing of secured Micro-LAP, MSME, and vehicle loan portfolios across Rajasthan, MP, CG, and Delhi.
  • Empanelled with 6 ARCs / NBFCs / Banks
  • Integrated Calling + FOS + Legal model
  • Recovery Rate: 0.58% per month (Mar '26)
  • Detailed MIS and portfolio reporting
02
Financing Business
Gold Loan & Micro-LAP MSME
Extending credit to the same rural borrower base we service — using our ground presence, FOS network, and repayment history intelligence.
  • Gold Loan: ₹5 Cr → target ₹10 Cr (Sep '26)
  • Micro-LAP MSME: ₹10 Cr → ₹12.5 Cr
  • ₹1–25 Lakh ticket size
  • Instant disbursal · Competitive rates
03
Stress Portfolio Investment
Balance Sheet Play
We acquire stressed retail NPA pools and invest alongside ARCs in Security Receipts — backed by an underwriting edge no external buyer can replicate.
  • Retail NPA pool acquisition
  • SR co-investment with ARCs
  • Deep due-diligence from servicing intel
  • Group track record: ₹10,000 Cr+ resolved
04
Special Situation Financing
Capital for Stressed Assets
Targeted capital for borrowers and institutions at critical inflection points — OTS funding, liquidity injection, and restructuring support.
  • OTS funding for NPA borrowers
  • Liquidity support for stressed institutions
  • Bank · ARC · NBFC partnerships
  • Asset resolution and monetisation
Leadership

The team behind
the execution.

Mohit Agarwal
Mohit Agarwal
Founder & Director
CA · 10+ years in NPA resolution. ₹10,000 Cr+ resolved. Founded CA firm and IP firm. Deep expertise in IBC and SARFAESI.
IBCSARFAESI₹10K Cr Resolved
Mansi Agarwal
Mansi Agarwal
Co-Founder
CA · Ex-Tata Capital (4+ years). Credit review and audit expertise across BFSI. Part of the Promoter Group.
Ex-Tata CapitalCreditBFSI
Anuj Anand
Anuj Anand
CEO
23 years BFSI. Ex-Yes Bank, Edelweiss, DCB Bank, Poonawalla. PAN-India NPA recovery and legal enforcement specialist.
SARFAESIIBC23 Yrs
Rohit Mor
Rohit Mor
Head – Operations & Credit
CA · 13 years in risk and internal audit. Clients include Reliance, Hinduja TMT, Carat & L&T IDPL. NBFC credit review leader.
Risk & AuditNBFC OpsCA
Lokesh Sharma
Lokesh Sharma
Strategy Head
8+ yrs in credit, risk & portfolio management. Oversees NPA recovery operations & cross-team coordination.
Portfolio MgmtNPAField Ops
Rajeev Gupta
Rajeev Gupta
COO
29+ yrs of industry experience, with 14+ yrs in stressed asset resolution · IIT-BHU · IIM Calcutta. Expert in NCLT/IBC resolutions, SARFAESI & special situations.
IIT-BHUIIM-C29+ Yrs
What We're Building

Phase 2:
The ecosystem
pays dividends.

Five years of rural NPA servicing creates something no outsider can replicate — borrower relationships, property intelligence, repayment data, and a ground network across Tier 2–4 India. Phase 2 monetises that moat.

Phase 2.1
Start Lending
Extend credit to verified rural borrowers using our ground presence, FOS network, and repayment history from NPA servicing.
  • Gold Loan scale-up to ₹10 Cr
  • Micro-LAP MSME to ₹12.5 Cr
  • OTS / Special Situation Funding
  • Both sides of the table — lend AND service
Phase 2.2
Buy Portfolios on Balance Sheet
Acquire NPA pools wherever value is clear — with underwriting confidence that comes from already servicing these accounts.
  • Retail NPA pool acquisition
  • SR co-investment alongside ARCs
  • Rural property valuation advantage
  • In-house SARFAESI execution post-acquisition
Phase 2.3
Data & Analytics Products
Build intelligence products on our proprietary servicing data — licensable to ARCs, NBFCs, and banks as SaaS / data advisory.
  • Recovery Prediction Engine (AI scoring)
  • FOS Deployment Optimizer
  • Legal Case Tracking Dashboard
  • Portfolio Intelligence Layer
  • Investor Data Bank (IBC / RA matching)
Our Offices

Five cities.
One mission.

Mumbai — Corporate Office
Office No. 310, 3rd Floor, Sunteck Crest, Andheri-Kurla Road, Mumbai 400 059
Jaipur — Rajasthan State Hub
3rd Floor, Wisteria Living, E-6, Gautam Marg, Vaishali Nagar, Jaipur 302 001
Bhopal — MP State Hub
First Floor, Plot No. 258, Zone-II, M.P. Nagar, Bhopal 462 011
Indore — MP Operations
401, 4th Floor, MangalCity Mall, Scheme No. 54, Vijay Nagar, Indore 452 010
Raipur — Chhattisgarh
G.K. Chambers, E-76, Sec-2, Devendra Nagar, Raipur 492 001
Partner With Us
Discuss your NPA portfolio · Empanelment enquiries · Lending enquiries