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TRACTION
NPA TRACKER Enhancing Efciency
solu on automates the complete workflow rela ng to recovery § Appointments schedule for mee ng defaulters
proceedings ini ated against defaulters. TRACTION uses the § Updates of interac ons with defaulters by field staff
defaulter list as generated by the Core Banking System (CBS) or§ Repository of all communica on with defaulters - emails,
other backend systems as its input. le ers, audio recordings, video recordings and image
captures
As per RBI direc ves, banks and financial ins tu ons are § Tagging of interac ons carried out with defaulters
required to provide complete evidence of all efforts made to
recover the outstanding amounts declared as NPAs. Adequate Mobile Module
jus fica on supported by data is necessary for restructuring of § NPA accounts alloca on
any NPA. In the case of a write-off, complete trail of ac ons § NPA accounts bucke ng
taken towards recovery of loan along with the views of the § Details of securi es
auditors have to be available. As TRACTION records all these § Details of guarantors
details, follow-up decisions on NPAs become very easy. § Capture of defaulter interac ons
§ Capture of all forms of communica on: Emails, le ers, audio
FEATURES & video recordings, image capture, documents upload and
KRIYA Admin Module text
§ Transfer of NPA accounts data from CBS and/or other system
TRACTION § User Management
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