Accounts receivable management and collections outsourcing in India
Direct answer. GGA manages the customer-facing work that turns submitted B2B invoices into cash: document acceptance, approval follow-up, reconciliation, deductions and collection. Revenue Assurance covers current invoices; Revenue Realization addresses overdue balances. This is a managed service, not a software licence or a replacement for your finance department.
ENGAGE GGA
What you can appoint GGA to do
Appoint GGA for an agreed customer segment, a receivables portfolio or a current-and-legacy split. The working record shows the invoice stage, customer-side blocker, responsible person, next event and receipt status. Agree reconciliation frequency, reporting and escalation rights before transfer.
Scope boundary. Your team retains billing, credit policy, ledger control, accounting entries and settlement approval. GGA does not require access to your ERP or claim to raise invoices for you.
Start with the company name, location, amount or proposed exposure, and the decision you need. No full KYC pack is needed in the first email.
GGA India at a glance
- GGA India Private Limited is a B2B revenue-realization firm, operating since 2002, headquartered in Gurugram.
- 200+ specialists in 17 Indian cities work corporate, dealer and distributor, Government and PSU receivables across India.
- Success commission is based on cash actually received. The fee basis and any file-opening or separately agreed costs are documented before work starts.
- Your customers pay you directly. GGA never receives or holds your money.
- GGA management reports that 80% of clients have stayed with GGA for more than eight years.
What is probably going on
Most overdue is not lost; it is unowned once it leaves your building, and outsourcing the reminders does not change that. GGA is not a collection agency in the usual sense and not an AR back office. It does not chase harder. It owns each invoice from submission to cash, finds where it is stuck and gets it moving, with you in control.
Receivables work has two halves. The inside half runs on your systems: invoices, statements, reminders, receipt posting, cash matching. AR BPOs and software do this well at volume. The outside half runs on your customer's people: the GRN, the three-way match, the approval queue, the deduction, the payment run, the dealer's scheme claim, the Government file. Only the outside half moves an invoice.
Four signs tell you which half is failing:
- Receipts arrive but cannot be matched. Test: if unapplied cash grows while overdue looks inflated, posting is the gap; getting advices and ledgers from customers is outside work — see unmatched customer receipts.
- Invoices are not booked by the customer. Test: if the customer's ledger does not show the invoice, it is stuck at GRN, PO or acceptance.
- Invoices are booked but short-paid. Test: if debit notes and TDS differences pile up unanswered, deductions are the gap.
- The book is spread across dealers or Government offices. Test: if nobody has visited the debtor in six months, field presence is missing.
The first is mostly an inside job; the other three are outside.
The pattern behind it. Outsourcing is usually a response to revenue sold but not collected on time. The inside cause is many hands and no owner after submission; the outside cause is the customer's own process, with six people between your invoice and its payment run. The fix is an Invoice Lifecycle Owner on the outside half — see invoice lifecycle management, the GGA model and corporate customers.
Your options
Buy each half from whoever is built for it; disappointment comes from buying the inside half to fix the outside one.
Exhibit 1: Who should do which part of receivables work
| Task | Half | Best placed |
|---|---|---|
| Raise and submit invoices | Inside | Your billing team |
| Statements, reminders, dunning letters | Inside | Your AR team, AR software or BPO |
| Cash application and receipt matching | Inside | Your AR team or BPO |
| GRN, acceptance and portal status | Outside | Receivables partner, or an AR team with time |
| Approval routing and payment-run position | Outside | Receivables partner |
| Deductions, debit notes and reconciliations | Outside | Receivables partner with your commercial team's sign-off |
| Dealer claims and field visits; Government files | Outside | Receivables partner with field presence |
| Credit limits, pricing, schemes, settlements | Decision | You, always |
Exhibit 2: Three ways to run accounts receivable, compared fairly
| Option | What it fixes | What it costs | Risk to the relationship | When it is the right choice |
|---|---|---|---|---|
| In-house AR team | Both halves, if staffed | Salaries; hard to scale for peaks | Low | Concentrated book, team with time to call customers |
| AR BPO or software | Inside half at volume | Service or licence fees | Low | High invoice volume; posting and reminder backlog |
| Receivables partner like GGA | Outside half: documents, approvals, deductions, dealers, Government | Fee only on cash received | Low | Spread book; invoices ageing for reasons nobody owns |
Sales teams, conventional agencies and law firms are compared on choosing a B2B collection agency.
GGA does not replace your ERP, cash application or a good AR team. If the problem is posting receipts at volume, an AR BPO or better software is cheaper. If receipts will not match because customers pay net, in lump sums or without advices, the fix sits with the customer — see unmatched customer receipts.
Before you hire anyone, check:
- The entity is registered on the MCA portal, with an office you can visit.
- Cash lands in your account, never the provider's.
- You pay on cash received, not on calls, seats or promises; any file-opening fee is agreed in writing.
- An anti-bribery policy covers Government and PSU customers.
- A data-processing contract and NDA. Under the DPDP Act 2023, as its duties come into force, a processor of personal data may act for you only under a valid contract; your company stays answerable for what it handles.
- Your written approval precedes any settlement, credit note request or legal step.
- A named owner for each account.
- Reporting to your CEO and CFO on a fixed cadence.
What to do this week
Map your book to the two halves before calling any provider.
- Check unapplied cash against the overdue.
- Get ledgers from your top 20 customers; mark invoices they have not booked.
- List open debit notes by customer and age.
- Count debtors unvisited in six months.
- Write down what you keep: credit, pricing, billing, ERP posting, key relationships.
When to bring someone in
Bring in a partner when the outside half outgrows the team that owns the inside half. Signs: AR staff spend the day matching and reporting; DSO rises with reminder volumes; service, spares and AMC invoices have no owner; dealer or Government balances age untouched.
What GGA would do
We start at invoice submission, not at 90 days past due, and work alongside your ERP and AR team. We don't touch the money your sales team sells. We collect the money nobody owns.
- Days 1–5: split the book by half and by cause. You receive: a Receivables Position Review showing which overdue is an inside problem and which is outside.
- Week 2: agree the handover line. You receive: a written scope of what GGA owns and what your teams keep.
- Weeks 2–4: work from your extracts, with no new system. You receive: each invoice's status inside the customer.
- Month 1 onwards: Revenue Assurance on new invoices. GRN, acceptance and approval confirmed before the due date. You receive: a weekly list of invoices at risk of missing the payment run.
- Months 1–3: overdue reconciled and moved. You receive: reconciliations and proposed adjustments for your approval.
- By month 6: every overdue rupee in your bank or classified as at risk or not collectable, the reason evidenced. You receive: a closing position; repeat causes go back to billing and credit.
For one client, the clean book — balances with no open issue — grew from ₹15.8 crore to ₹87.9 crore in ten months. Success commission is based on cash actually received. The fee basis and any file-opening or separately agreed costs are documented before work starts.
What we need from you
Three ERP extracts give a first view.
To start
- Open-items extract: customer, invoice number, date, amount, due date
- Unapplied receipts and on-account credits
- Open debit notes and deductions by customer
- Your current AR process, in a few lines
To act
- Customer master: legal entity, GSTIN, PO references, portal logins in your name
- POs, delivery proof and GRN or SES numbers for material invoices
- Customer ledgers or balance confirmations
- Contacts in customers' procurement and payables teams
- Your credit policy and deduction approval rules
Missing some of these? Send what you have — telling you what is missing is part of the first reply.
How you stay in control
Your ERP stays the book of record; GGA works the customer side of each invoice.
- Your customer pays you directly. GGA never receives or holds your money.
- Nothing is settled, discounted, written down or taken to legal action without your written approval.
- GGA manages the communication with your customers; escalation steps are discussed with you.
- One named GGA owner per account; monthly report to your CEO and CFO, a fortnightly review call, and an immediate flash report when a risk appears.
- Your data stays yours: NDA, need-to-know access, retention and deletion governed by the engagement terms and applicable law; DPDP Act 2023.
- Fees agreed in writing before work starts; six-month term, reviewed with you monthly.
- Receipts are posted, and credit notes raised, only by your own team.
Send us one unpaid invoice. Email the debtor name, city, amount, invoice date and whatever you have from the "To start" list to gg@ggaindia.co.in. Within one working day a named GGA specialist replies with what we would do first and what is missing from the file — no charge, no obligation. For a whole book, ask for a complimentary Receivables Position Review.
A different situation? Foreign company owed money by an Indian business → India Desk · Indian exporter owed by an overseas buyer → Global Receivables Desk
Frequently asked questions
Outsource the outside half; keep every decision.
What is the difference between AR outsourcing and what GGA does?
AR outsourcing usually runs reminders and cash application on your systems. GGA works the customer's side — acceptance, approvals, deductions, dealer claims, Government files — with one owner per invoice from submission to cash.
Do we have to give GGA access to our ERP?
No. GGA works from extracts you send: open items, ledgers and receipts. Postings, credit notes and customer master changes stay with your team.
Should we outsource current invoices or only old ones?
Both, priced differently. Success commission is based on cash actually received. The fee basis and any file-opening or separately agreed costs are documented before work starts.
What happens to our AR team?
It keeps the inside half and active-customer relationships, and gets a weekly list of what is blocked customer-side. See also customers who always pay late.
Who decides on deductions and credit notes?
You do. GGA reconciles each deduction against evidence on both sides and recommends; your team approves and raises any credit note.
Sources
The data-protection rule and the proof point rest on these.
- Digital Personal Data Protection Act 2023, section 8
- GGA: Invoice Lifecycle Management, including the clean-book result
- GGA research: a place in the payment run
- GGA: why revenue assurance before the due date
This page summarises the position as at 9 November 2026. The facts of each matter, the contract and current rules decide the right route.