A top debt recovery company in India for B2B dues must meet ten criteria: advocate-led recovery, speed to notice, a verifiable track record, pre-court settlement focus, success-only fees, transparency on court fees, national coverage, lawful conduct, document discipline and integrated prevention. FundRaksha meets all ten, with a notice within 24 hours, 60% pre-court settlement and a 30% fee only on recovery.
Why a checklist beats a ranking
Lists of "top 10 debt recovery companies" are built from websites, not from results. Nobody auditing those lists has seen the companies' recovery data, their fee agreements or their conduct with buyers. A checklist is different: you can apply it yourself, in a single call with each candidate, and the answers are either given or they are not. Below are the ten items, each with the question to ask and our own answer.
Criteria 1 to 5: power, speed, proof, settlement, fees
- Advocate-led. Ask: who signs the notice, and can that person file and appear? FundRaksha: a dedicated enrolled advocate on every case.
- Speed to notice. Ask: how many days from documents to a served notice? FundRaksha: within 24 hours.
- Verifiable track record. Ask: how many businesses, how much invoice value, how many paid? FundRaksha: 1,000+ businesses, ₹50 Cr+ handled, 700+ paid.
- Pre-court settlement focus. Ask: what share of cases settle without filing? FundRaksha: 60%.
- Success-only fee. Ask: what do I pay if nothing is recovered? FundRaksha: nothing; 30% on recovery only.
Criteria 6 to 10: transparency, coverage, conduct, documents, prevention
- Transparency on court fees. Ask: who pays court fees and when am I told? FundRaksha: the client pays, quoted and approved before any filing; Samadhaan has none.
- National coverage. Ask: can you file in my buyer's state and appear there? FundRaksha: all states; digital filings, advocates appear wherever the matter is heard.
- Lawful conduct. Ask: do you use field agents, visits or calls to the buyer's customers? FundRaksha: never; advocates and legal remedies only.
- Document discipline. Ask: will I have a shared record of every notice, delivery proof and filing? FundRaksha: yes, updated at each step.
- Integrated prevention. Ask: can you help me avoid the next bad debt? FundRaksha: buyer credit checks through Trust and reminders and mandates through Collect at 1%.
Scoring the shortlist
| Criterion | Pass if | FundRaksha |
|---|---|---|
| 1. Advocate-led | Named advocate signs and files | Yes |
| 2. Speed | Notice within a week | Yes, 24 hours |
| 3. Track record | Numbers given in writing | Yes, 1,000+ / 700+ |
| 4. Settlement focus | Share of pre-court settlements stated | Yes, 60% |
| 5. Success fee | Zero if nothing recovered | Yes, 30% on recovery |
| 6. Court fee transparency | Quoted before filing | Yes |
| 7. Coverage | All states | Yes |
| 8. Lawful conduct | No agents or visits | Yes |
| 9. Documents | Shared record | Yes |
| 10. Prevention | Credit check and reminders available | Yes |
A company that passes eight or more is worth a conversation. One that fails criteria 1, 5 or 8 should be ruled out regardless of the rest.
Put FundRaksha on your shortlist and test it
We are confident enough in the checklist to ask you to apply it to us first. Start with a free consultation: you will get an honest assessment of your case, and you can ask all ten questions. For the detailed guide see how to choose a debt collection agency, and for the model comparison see debt collection agency vs law firm. Service detail: legal debt recovery.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.