Income-linked credit
Offers aligned to verified earnings from gig platforms, payroll employers, and bank inflows.
Workforce finance & NBFC operations
Financial support built for India’s workforce economy
PTPFin connects blue-collar and gig workers to income-aligned credit, and helps NBFCs manage lead capture, underwriting, collections, and field operations with AI-assisted workflows.
Financial access for the workforce economy
Credit built for today’s gig and frontline workforce
India’s workforce economy runs on platforms and shifts — delivery partners on Swiggy and Zomato, drivers on Uber and Ola, service professionals on Urban Company and Snabbit, and staff across quick-service restaurants and retail chains. They need credit that understands weekly payouts and variable income, not legacy paperwork. PTPFin’s lending marketplace brings simple, dignified access to credit designed for how they actually earn.
Earn with dignity
Credit linked to real work and verified income — not just a bureau score.
Access without friction
Apply from your phone in minutes. No branch visits, minimal documents.
Support when it matters
Emergency advances, salary bridges, and short-term loans in one place.
PTPFin Credit Access App
How we help blue-collar workers every day
The PTPFin Credit Access App puts lending in workers’ hands — whether they earn through gig platforms, restaurant shifts, or on-demand services. From eligibility checks to repayment tracking, built for people on the move with clear steps and no hidden complexity.
-
Download & verify
Quick signup with mobile OTP and basic income verification.
-
See your offers
Matched loan products based on earnings and employment type.
-
Apply in minutes
Simple forms, photo KYC, and instant eligibility checks.
-
Get funds & track
Fast disbursement with repayment reminders you can understand.
Hi, Ravi
Delivery partner · Quick Delivery
Bengaluru
Pre-approved credit limit
₹35,000
Apply for loan
Application progress
50%
- Profile verified
- Income linked
- Choose loan product
- Confirm & receive funds
Mobile-first
Every screen designed for smartphones — the only device many workers rely on.
Low paperwork
Minimal documentation so workers aren’t blocked by forms they can’t complete.
Fast approvals
Streamlined decisioning when workers need money for rent, medical, or family needs.
NBFC AI Solutions
One platform, many modules
PTPOne powers field collections. DCI analyses 100% of customer conversations with AI. More modules for NBFC operations are rolling out on the same platform.
Available now
PTPOne
AI-assisted field collections for agents and supervisors.
View product Available nowDCI
Discover Conversation Intelligence (AI) for support, sales, and collections.
View product
Coming soon
Smart allocation
Distribute portfolios across teams, territories, and capacity.
Coming soon
Portfolio intelligence
Reporting and risk signals for leadership and ops teams.
Coming soon
Lead & underwriting
AI-assisted lead capture and credit decision workflows.
Featured module
PTPOne — AI-assisted field collections
An agent app that puts AI suggestions, guided questions, and supervisor visibility into every field visit.
AI suggestions
Context-aware tips before and during visits based on case history.
Guided visit scripts
Step-by-step questions that adapt when a borrower is met or not met.
Promise-to-pay capture
Structured PTP recording with amount, date, and visit context.
Supervisor dashboards
Team progress, collections split, and visit completion at a glance.
Field agent tracking
Geofence-aware visit start and live case status updates.
Compliance guardrails
Visit windows, frequency limits, and audit-ready activity logs.
Agent home — daily summary, AI tips & visit queue
1
Plan the day
Assigned cases, routes, and AI tips before heading out.
2
Start the visit
Location-aware start with compliance checks and case context.
3
Follow guided questions
AI-assisted scripts suggest the right next question.
4
Capture & sync
PTP, payments, and notes flow back to supervisors instantly.
Visit start — AI pre-visit tip & location compliance
Visit script — guided questions & next-step flow
Featured module
DCI — Discover Conversation Intelligence (AI)
Turn customer call transcripts into actionable business intelligence — automated QA, structured insights, and agent performance scoring at scale.
Scale QA without scaling headcount
Auto-score every call against configurable scorecards. Free supervisors to coach instead of listen.
Structured data from calls
Extract issue category, severity, resolution status, commitments, and references — ready for dashboards.
AI Intent & Outcome
Understand why the customer called and what was achieved, in business language.
Sentiment & Next Best Action
Track customer tone and get AI-recommended follow-ups for supervisors or CRM workflows.
Weighted AI scorecard
YES/NO and 1–5 scale items with per-item explanations — plus an Overall AI Score (0–100).
DCI Blueprints (AI)
Use-case configs for collections, sales, support inbound, support outbound, and custom workflows.
Live example — Woodland inbound support · view on dci.ptpfin.com
1
Upload
Audio files, or paste/upload TXT, MD, CSV, JSON, VTT, SRT, PDF, and DOCX transcripts.
2
Select Blueprint
Pick a DCI Blueprint (AI) tailored to your use case — collections, sales, or support.
3
AI analysis
Async processing extracts fields, scores agent performance, and surfaces insights.
4
Insights & score
Results appear on the dashboard in real time — drill into each conversation for coaching.
DCI Blueprints — built for your workflows
Customer Support – Inbound (AI)
Issue resolution, complaints, and service requests — 10 extractors and 10 scorecard items.
Customer Support – Outbound (AI)
Follow-ups, updates, reminders, and confirmations — 10 extractors and 10 scorecard items.
NBFC – Loan Collection (AI)
Collections and repayment intent — 8 extractors and 8 scorecard items, plus custom blueprints.
Live examples from dci.ptpfin.com
Woodland · Inbound
Wrong item delivered — Exchange request
98
AI Score
NEUTRAL
Sentiment
Resolved
Outcome
Customer reported size 8 boots instead of size 9. Agent verified the order, apologized for prior chat delay, and arranged priority exchange with pickup after 6 PM. Ref EX-WDL-99214.
Empathy 5/5 · Solution 5/5 · Listening 5/5
View live analysis →Woodland · Outbound
Delivery delay notification
5/5
Avg. scores
POSITIVE
Sentiment
Resolved
Outcome
Agent Ayesha called about order WL-45892 delayed to 22nd June. Confirmed same Andheri warehouse, sent tracking link via SMS/email, and customer accepted the revised date.
Context 5/5 · Clarity 5/5 · Professionalism 5/5
View live analysis →Why PTPFin
One platform. Two powerful tracks.
PTPFin brings workforce lending and NBFC operations together under one modern fintech brand — with PTPOne and DCI live today and more NBFC modules on the roadmap.
One platform
Unified brand for lending and collections
Multiple workflows
NBFC suite starting with PTPOne & DCI, expanding soon
Full visibility
Lending + collections in one operational view
Efficient ops
Less manual coordination, more field output
Scalable structure
Product-first architecture for growth
Trust & scale
Built for regulated, real-world finance
Regulated workflows
Designed with compliance guardrails for financial operations teams.
Practical execution
Tools shaped by how agents and supervisors actually work in the field.
AI-assisted, not AI-complicated
Smart suggestions that support decisions — never replace accountability.
Modular & scalable
Start with PTPOne or DCI, expand into more NBFC modules as you grow.
Ready to modernize lending and collections?
Talk to the PTPFin team about blue-collar lending, PTPOne for field collections, DCI for conversation intelligence, or what's next in our NBFC product roadmap.
Contact
Partner with us
Tell us about your lending marketplace or NBFC operations goals. We’ll follow up with a tailored conversation.
Fill in the form and we’ll reach out. Emails are sent to hello@ptpfin.com.