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PN Services team
RBI-Compliant • Multi-State Operations

Integrated Debt
Collection & Recovery

Ethical, performance-driven recovery solutions for Banks, NBFCs & Financial Institutions — spanning Odisha, West Bengal & Uttar Pradesh with 2,000+ trained professionals.

2,000+
Total Workforce
29+
Offices across India
303+
DRA Certified
20
Years of Experience

A Trusted Recovery Partner Since 2005

PN Services is a professionally managed debt collection and recovery agency delivering ethical, compliant, and performance-driven recovery solutions to Banks, NBFCs, and Financial Institutions across India.

  • Nearly two decades of operational experience in retail, MSME, vehicle, agricultural & unsecured loan recovery
  • 1,264 Field Officers and 110 Supervisors with strong ground-level execution
  • 303+ IIBF DRA-certified professionals including 251 field officers & 46 tele-callers
  • A+ performance rating from ICICI Bank — proven capability in large-ticket portfolios
  • Strict adherence to RBI Fair Practices Code with zero-tolerance for harassment
PN Services team meeting

Integrated Recovery Model

End-to-end recovery architecture covering early delinquency through chronic default resolution.

Soft Collection

Tele-calling and field follow-ups, home & office visits, payment counselling, and resolution support for early & mid bucket accounts.

Hard Collection

Advanced skip tracing, on-ground mediation, asset & address verification for chronic and intentional defaulters under strict compliance.

Call Centre Operations

Dedicated outbound/inbound tele-calling with call recording, quality audits, supervisor-led reviews, and structured escalation matrix.

Skip Tracing

Professional location and contact discovery for unreachable borrowers using field intelligence and digital reference tracking.

Field Operations

1,264 field officers covering rural & semi-urban territories with GPS tracking, daily reporting, and supervisor oversight.

Multi-State Presence

Operations spanning three major states with 29+ offices and deep local intelligence networks.

Odisha

29 offices

Coverage across East, West, North, South & Central Odisha. 1,264 Field Officers, 110 Supervisors. Complete state-wide coverage including rural & semi-urban areas.

West Bengal

Kolkata Hub

Centralized hub covering Kolkata, Howrah, Hooghly, Barasat, Rajarhat, Salt Lake, North & South 24 Parganas and surrounding districts.

Uttar Pradesh

Lucknow Hub

Centralized hub covering Lucknow, Kanpur, Varanasi, Prayagraj, Gorakhpur, Ayodhya, Bareilly and other major cities across the state.

Message from the Managing Proprietor

Bibhuti Bhusan Mahapatra
"At PN Services, our journey since 2005 has been guided by a single, unwavering belief — recovery is not just about collections, it is about responsibility, compliance, and trust. We take pride in our people who work with commitment, accountability, and respect for every borrower they engage with."
Bibhuti Bhusan Mahapatra
Managing Proprietor, PN Services

Loan Verticals Handled

Comprehensive coverage across retail, commercial and agricultural loan categories.

Credit Cards Personal Loans Home Loans Auto Loans Two-Wheelers MSME Loans Agriculture & Farm Equipment Loan Against Property Commercial Vehicle Consumer Durable Micro Finance Business Loans Retail Loans Loyalty Personal Loans