Built for the Business of Recovery
The unified Legal-Recovery Model — built from the ground up for India's banking and financial sector.
Why Lawcovery Exists
India's NPA crisis is not a new problem — but the legal infrastructure to resolve it has historically been fragmented, slow, and misaligned with the operational realities of institutional lenders.
Lawcovery was established to close that gap. We are a specialist legal recovery practice — built from the ground up for the BFSI sector, staffed by lawyers who have spent their careers in banking and financial law, and structured to handle the scale and complexity that institutional lenders demand.
We possess specialised expertise in handling cases under Section 138 (Dishonour of Cheques) and Section 25 (Recovery of Debts and Bankruptcy Act) by meticulously filing and vigilantly monitoring each case. Our close collaboration with court systems is key to fast-tracking these critical proceedings.
Today, we serve scheduled commercial banks, private sector banks, NBFCs, and Fintechs across India — managing everything from individual high-value accounts to large NPA portfolios requiring coordinated multi-forum legal action.
In traditional BFSI frameworks, Legal and Collections function separately, leading to fragmented communication and delayed outcomes. Lawcovery integrates legal proceedings and recovery execution under one unified framework.
Breaking Institutional Silos
Unifies legal filing (Sec 138 / Sec 25) and collection enforcement into a single, synchronized workflow.
Accelerated Capital Re-deployment
Replaces disjointed agency efforts with time-bound legal execution, allowing BFSI institutions to recover and re-deploy capital swiftly.
Proven 5-Year Track Record
Developed and continuously optimized over 5 years, delivering an industry-leading 50%+ clearance rate on deep-bucket 90+ DPD portfolios.
Our Principles
Institutional Focus
We work exclusively with banks, NBFCs, and financial institutions — never borrowers. Our undivided loyalty to the creditor side shapes every decision we make.
Legal Precision
Recovery law is technical. We invest in deep expertise across SARFAESI, DRT, IBC, and civil enforcement — so our clients never face avoidable procedural setbacks.
Commercial Awareness
We understand that legal action is a means to financial recovery, not an end in itself. Every strategy is evaluated against the client's commercial objectives.
Transparent Reporting
Institutional clients need visibility. We provide structured case reporting, milestone tracking, and direct access to the counsel handling each matter.
Backed by Ninjacart's Leadership
Lawcovery operates as the legal recovery arm of Ninjacart. Our work is anchored by the vision and direction of Ninjacart's founding and senior leadership team.
Founder
Kartheeswaran KK
Founder & CEO
Founder
Vasudevan C
Founder
Founder
Sharath Loganathan
Founder
Leadership
Vivek Venkatesan
Chief Financial Officer
Leadership
Mohammed Aehthesham
Chief Technology Officer
Leadership
Harish Swaminathan
Head — Product & Analytics
Leadership
Dennis John
General Counsel
Leadership
Surya Omar
Head — Human Resources
Our Recovery Specialists
The dedicated team driving Lawcovery's legal recovery operations — combining collections expertise, legal acumen, and institutional knowledge.
Mohan Babu J
Head — Collections
Venkataraman G
Associate Director
Kiran Kashinathan
Associate Director
Our Track Record
Ready to Discuss Your Recovery Mandate?
Speak with our senior counsel about your NPA portfolio and recovery objectives.