Every unpaid rupee, tracked until it's explained.

Collect reads your billing data every day, picks out the unpaid bills most likely to go bad, and sends each one to a field officer on WhatsApp. Their reply goes straight onto the client's account. Anything stuck goes to the branch head, and management sees one clear picture. Every day.

Open the demo See the eight steps

Watch Meridian Facilities' ₹42 lakh bill, unpaid for 410 days, move through each step.

SaarthiOS Collect · Account passbook

Meridian Facilities

A/c: CL-0001 · Facilities
Branch: Pune, West
Officer: Ravi Kulkarni

Date	Particulars	Ref	Amount	Unexplained
28 Sep	Billing data loaded7 unpaid bills · 4 sites · ₹1.08Cr unpaid for 90+ days	ERP	₹1.30Cr	₹1.08Cr
28 Sep	Flagged as urgent: INV-W00001Unpaid for 410 days, over a year	Cut	₹42.00L	₹1.08Cr
28 Sep	Task sent to Ravi Kulkarni on WhatsAppArea Officer · Pune: visit, check, note what happened	Task		₹1.08Cr
29 Sep	Officer visited the clientVisited Meridian accounts team at Pune HO.	Field		₹1.08Cr
29 Sep	Dispute on INV-W00001Client says two months of service fell short. The bill is explained, not lost.	Field	₹42.00L	₹66.03L
29 Sep	Promise: ₹26.00L by the 10thFor the bills nobody disputes, agreed by the client's accounts team	Field	₹26.00L	₹40.03L
29 Sep	Officer's notes saved to the kundliClient relationship is fine — this is a genuine SLA dispute, not a dodge. Recommend settle credit + collect the ₹26L now.	Field		₹40.03L
29 Sep	Escalated to Anjali Mehta, Branch HeadNeeds a decision on the service credit, with the full chat attached	Branch		₹40.03L
30 Sep	Next step: settle the credit, collect the rest, keep the clientBased on the numbers and 3 field notes	Kundli		₹40.03L
1 Oct	₹40.03L still unexplained goes back on the listChecked again with tomorrow's billing data	Cut
10 Oct	₹26.00L falls due as promisedChecked against what the client promised	Due

Your books and the field, on the same page.

Most tools stop at the numbers. Collect also records what happened in the field, so the amount and the reason sit on the same line. Every step below is a page in the demo; open any of them.

From your books

Page

From the field

Billing data in

Your daily collection report and sales register come in, get checked, and become one list of who owes what.

01Open

Every client, up to date

Every client, site and bill matched up to today, not last week's spreadsheet.

02Open

Where money is stuck

Bills grouped by how long they have been unpaid, plus clients who left but still owe. Not just the biggest names.

03Open

Follow-ups assigned

The most urgent bills become one simple task each, sent to the officer who looks after that client.

04Open

05Open

On the officer's WhatsApp

No new app. The officer visits the client, then replies in one tap: visited, promised to pay, or disputed.

06Open

Passed to the branch head

What only the branch head can decide arrives with the officer's full chat attached.

One view for management

All the money owed, by region, branch and client, in one place.

07Open

The client kundli

A one-page summary for each client: the numbers and the field notes together, with a clear next step.

08Open

The demo data, as of 2026-09-30.

Made-up clients across four regions and eight branches: the kind of unpaid bills that slip through the gap between the accounts team and the field.

As of	Particulars	Amount
30.09	Total unpaid42 clients · 98 sites · 176 bills	₹33.46Cr
30.09	Stuck more than 90 days76% of all unpaid money	₹25.46Cr
30.09	Past 365 daysCollect now or write it off	₹9.34Cr
30.09	Owed by 10 clients who left usMoney a top-10 debtors list never shows	₹9.94Cr

Made-up data for this demo. No real client, amount or site.

Five people use it.

Same data, five views. Pick anyone and switch whenever you like.

Ravi Kulkarni Area Officer Pune · West Field officer. Gets follow-ups on WhatsApp, visits clients, notes what happened. Open as Ravi Anjali Mehta Branch Head Pune branch Looks after the branch's clients and the oldest unpaid bills. Stuck payments come to her. Open as Anjali Sameer Rao Region Officer West region Sees the whole region: which branches are getting paid, and which are stuck. Open as Sameer Startheresees it all Priya Nair Head of Collections National Sees every client: where money is stuck, who is following up, and each client's kundli. Open as Priya Vikram Shah CFO National A short brief: how long clients take to pay, what is coming in, and where it is stuck. Open as Vikram

See the whole thing in five minutes.

Start with the billing data and end with the CFO's brief. Every page tells you what you're looking at and what to open next.

Open the demo