Head office
Debt collection agency in Bengaluru — B2B receivables, recovery and enforcement for businesses owed by Bengaluru companies.
Bengaluru — still Bangalore on most of the invoices we see — is where Kenstone Capital's practice is based, at Ashok Nagar off Field Marshal Cariappa Road, and where the National Company Law Tribunal has its Bengaluru bench — the forum for Section 9 petitions against Karnataka-registered corporate debtors.
Bengaluru office
Kenstone Capital, Bengaluru
Kenstone Capital Debt Consulting Private LimitedSabari Complex, Field Marshal Cariappa Road
Shanthala Nagar, Ashok Nagar
Bengaluru, Karnataka 560025
+91 80 6824 8827
Monday to Saturday, 9 AM to 6 PM
Every debtor validated before anyone spends a day on it
Every action on record on our collection platform
Nothing filed without your written approval
Three stages, in Bengaluru
What is different about Bengaluru
The forum
Bengaluru is the seat of the NCLT Bengaluru bench, which covers the whole of Karnataka, and of the Karnataka High Court. Commercial suits are filed at the commercial court for the district — the Karnataka High Court has no ordinary original civil jurisdiction, so a commercial suit does not start there whatever its value. For a creditor anywhere in the state, this is where insolvency and appellate work is actually heard, and it is why we run the practice from here.
If you are a registered MSME
A supplier registered on Udyam as a micro or small enterprise has a route the rest of the market does not: section 15 of the MSMED Act makes payment due in 45 days, and sections 16 to 18 let the supplier refer the unpaid invoice to a Micro and Small Enterprises Facilitation Council instead of filing suit. Interest runs at three times the RBI bank rate, compounded monthly, and a buyer who wants to challenge the award must first deposit 75 per cent of it. Traders are excluded; the registration must pre-date the supply. Karnataka runs district-level councils under its 2018 MSEFC Rules, so the reference goes to the council for the district where the supplier is registered, not where the buyer sits.
The debtors
The debtor base here is IT and IT services, electronics and EMS, aerospace and defence suppliers, machine tools, garments, biotech and contract research, construction materials and facility services. The commercial belt runs through Peenya, Bommasandra, Jigani, Electronic City, Whitefield, Attibele, Nelamangala, Dabaspete and the Hoskote belt.
What we see in Bengaluru
Two very different problems arrive from the same city. Software and services firms carry long, quiet DSO — invoices approved late, milestones disputed after delivery, procurement handing the file between teams. The Peenya and Bommasandra engineering units carry the opposite: short-ticket, high-frequency dues from a buyer who pays everyone a little and nobody in full.
How we work a Bengaluru file
The same six steps on every account, whether it is one invoice or a book. What changes by city is the forum and the ground work, not the method.
- 1
Intake and validation
Before anyone spends a day on your file, every debtor entity is checked: is it still trading, is it the entity that actually contracted with you, and is there anything to recover from. Where a Bengaluru debtor has ceased operating we say so and recommend a write-off — which earns us nothing. That is the point.
- 2
A named practitioner, not a queue
The file is allocated to one practitioner who owns it end to end. You deal with the person working your accounts, not with whoever answers the phone.
- 3
Contact, on record
Every call, every promise to pay and every reminder is recorded on our collection management platform. When a promise breaks, the next step follows from the record rather than from someone's memory — which is what makes escalation a step rather than a fresh start.
- 4
Field work where it is warranted
Practitioners and field collectors travel to Bengaluru for on-the-ground work, including Peenya, Bommasandra and Jigani. A field visit is a decision we justify to you, not a line item we add by default.
- 5
The escalation decision, stated honestly
We tell you when a claim is not worth enforcing, and why. Where it is worth enforcing, we tell you which route the facts support — a demand notice, section 138 where a cheque has bounced, a summary suit, or a section 9 petition at the NCLT Bengaluru bench — and what each would cost and take.
- 6
Nothing filed without your written approval
No notice goes out and no matter is filed in your name until you have approved it in writing. The advocate's fee and the court fees are stated separately, before you decide.
What it costs. Recovery is charged as a success fee — a percentage of what is actually recovered, and nothing if nothing is recovered. The DSO Reduction Programme is priced separately, as a seat-based monthly fee. Enforcement is priced case by case, with the advocate's fee and the court or tribunal fees stated as separate lines before you approve anything.
A success fee on its own rewards an agency for working your easy accounts and letting the hard ones go quiet. How recovery is priced, and the three things we do that earn us nothing →
Also in South India
Questions from Bengaluru businesses
Do you have an office in Bengaluru?
Yes — our Bengaluru office is at Sabari Complex, Field Marshal Cariappa Road, Ashok Nagar, and practitioners work from here. The company's principal place of business under its GST registration is in Shivamogga, Karnataka.
How does debt collection work for a Bengaluru debtor?
The same three stages as anywhere: the DSO Reduction Programme for receivables that are slipping, practitioner-led recovery for accounts that have gone bad, and legal enforcement — notice and settlement first — for debtors who leave no other route. What differs in Bengaluru is the forum: Section 9 petitions against companies registered in Karnataka are heard at the NCLT Bengaluru bench. Commercial suits go to the dedicated commercial courts in the city.
Can you recover from a Bengaluru company that has shut down?
Sometimes, and you will know early either way. Our validation step checks each debtor entity at intake, because in Bengaluru a company that has gone quiet has often gone dark. If the entity still exists, the question is whether an enforcement route reaches its assets, or whether insolvency does — and for a company registered here that means the NCLT Bengaluru bench. If it does not, we say so before you spend anything, because the cost of finding out late is always higher than the cost of being told now.
Where would a Section 9 petition against a Bengaluru company actually be heard?
Bengaluru is the seat of the NCLT Bengaluru bench, which covers the whole of Karnataka, and of the Karnataka High Court. Commercial suits are filed at the commercial court for the district — the Karnataka High Court has no ordinary original civil jurisdiction, so a commercial suit does not start there whatever its value. For a creditor anywhere in the state, this is where insolvency and appellate work is actually heard, and it is why we run the practice from here.
We are a registered MSME supplier in Bengaluru. Is there a faster route than a suit?
A supplier registered on Udyam as a micro or small enterprise has a route the rest of the market does not: section 15 of the MSMED Act makes payment due in 45 days, and sections 16 to 18 let the supplier refer the unpaid invoice to a Micro and Small Enterprises Facilitation Council instead of filing suit. Interest runs at three times the RBI bank rate, compounded monthly, and a buyer who wants to challenge the award must first deposit 75 per cent of it. Traders are excluded; the registration must pre-date the supply. Karnataka runs district-level councils under its 2018 MSEFC Rules, so the reference goes to the council for the district where the supplier is registered, not where the buyer sits.
Discuss your receivables
Tell us where you are on the curve. A practitioner — not a sales desk — reads every enquiry and replies within one working day.