Collections
Dunning
Dunning runs on strategies, not on a single reminder button. A strategy is a ladder of steps, each firing at an offset from the due date, using a template, addressed to a contact role, optionally escalating ownership or raising a task. Customers are matched to a strategy by assignment rules. Every candidate is tested against suppression rules first — the queue that is held back matters as much as the queue that goes out.
Active strategies
4
Assigned by segment, entity, grade and exposure
Due for contact today
25
Consolidated letters, not one per invoice
Invoices in those letters
96
Value 1,658.29 Cr
Suppressed
99
Held back by a rule, with a reason
Tasks raised
22
Calls and follow-ups for relationship managers
Last run
None yet
Schedule bin/dunning.php with Task Scheduler or cron
Strategies₹ Crore
| Strategy | Applies to | Customers | Exposure | Steps | Consolidation | Min balance | Contact cap | Send window | |
|---|---|---|---|---|---|---|---|---|---|
| Standard commercial STD Default Mid and large corporate buyers on 30 to 60 day terms. Courtesy note before due, then a firm ladder. | all remaining customers | 15 | 2,932.00 | 7 | per customer | 0.25 | 5 d | 09:00–18:00 weekdays | Ladder |
| Government and PSU PSU Public sector buyers on 60 to 90 day terms with certification and payment-run cycles. Slower, more formal, routed through the project desk. | Government; PSU | 4 | 794.00 | 5 | per customer | 0.50 | 10 d | 10:00–17:00 weekdays | Ladder |
| Key account — handled personally KEY Largest exposures. No automated chasing beyond a statement; every contact is made by the relationship manager as a task. | exposure over 400.00 Cr | 5 | 2,980.00 | 4 | per customer | 1.00 | 14 d | 09:30–18:00 weekdays | Ladder |
| SME and small balances SME Short terms and limited working capital. Contact early, chase tightly, escalate quickly — recovery falls away fast in this segment. | SME | 4 | 464.00 | 6 | per customer | 0.03 | 3 d | 09:00–19:00 any day | Ladder |
Assignment is resolved by priority — the lowest number wins. A customer pinned by code beats a segment rule, a segment rule beats the catch-all. That is why a large PSU lands on the government ladder rather than the standard one even though both would match.