Who We Are

Founded in 1995, Craidit (formerly Vikram Boards & Papers Pvt. Ltd.) is an RBI-registered NBFC focused on resolving distressed credit responsibly. We work with banks, NBFCs, and fintech lenders to bring structure, transparency, and fairness to complex debt situations. Our goal is to help restore financial stability for borrowers while strengthening the overall health of the credit ecosystem.

Mission & Vision

Mission: Reviving distressed credit. Responsibly. Profitably.

Vision: To become India’s most trusted and efficient asset resolution platform.

Our Approach

  • Data-driven delinquency assessment
  • Ethical and compliant recovery methods
  • Transparent communication with all stakeholders
  • Scalable systems for secured and unsecured portfolios
Company overview

Our Team

N. G. Shivram

N. G. Shivram

Chief Operating Officer

26+ years across operations, finance, and governance. Drives execution and regulatory alignment.

Binita Singh

Binita Singh

Head of Accounts

12+ years of NBFC & industrial finance experience. Manages reporting, audits, and compliance.

Pratiti Shah

Pratiti Shah

Strategist & Analyst

Portfolio assessment, delinquency analytics, recovery modelling, and investor reporting.

Corporate Social Responsibility (CSR)

Though the company is not mandated under Section 135 of the Companies Act for CSR contributions, Craidit follows voluntary responsible practices:

🤝

Ethical Borrower Communication

Respectful dialogue with borrowers to find sustainable solutions.

🛡️

Zero-Harassment Collection Policy

Strict adherence to courteous, lawful collection practices.

📘

Financial Literacy Support

Workshops and material to help borrowers make informed decisions.

✔️

Transparent & Fair Resolutions

Open processes that prioritize fairness and long-term outcomes.

Investor Relations

Craidit provides transparent reporting and disciplined capital deployment. Our investor partners access structured returns backed by high-granularity unsecured portfolios.

We share quarterly reports on:

Portfolio Performance

High-level metrics with drill-down capability.

Recovery Trends

Analysis of recoveries across segments and vintage cohorts.

Key Risk Indicators

Risk monitoring metrics and stress-test summaries.

Collection Efficiency

Operational KPIs for collections and conversion rates.

Operational Costs & IRR Tracking

Cost control and IRR analysis for deployed capital.