Shraddha Rathod, Head of B2B Collections at Kenstone Capital

Kenstone Capital Debt Consulting Private Limited

Shraddha Rathod

Head of B2B Collections

Bringing legal insight and operational discipline to commercial debt recovery.

Shraddha Rathod heads B2B Collections at Kenstone Capital, bringing five years of experience across law, taxation and collections. Her background spans legal collections, contract management, accounts receivable and dispute resolution, providing a practical understanding of the contractual and operational issues that influence payment recovery.

Before joining Kenstone Capital, Shraddha worked with JK Consultants in Ahmedabad, handling legal collections. Her consulting experience includes engagements with businesses in technology, manufacturing and international trade.

For Codilar Technologies Private Limited, Bengaluru, she advised on overseas master service agreements, non-disclosure agreements and overall contract management. Her work also covered data protection and privacy policies, accounts receivable collection and POSH awareness training. At Teksons Hydraulics, Ahmedabad, she managed accounting, operational activities and disputes. For Canada-based Pinook Homes Inc., an importer sourcing goods from India, she handled onboarding agreements, accounts receivable and dispute resolution.

At Kenstone Capital, Shraddha brings this combined legal and commercial perspective to B2B collections, with a focus on resolving outstanding receivables and helping businesses release working capital. Her experience supports an approach grounded in contractual clarity, organised documentation and an understanding of each client’s commercial priorities.

Shraddha holds B.Com and LL.B qualifications, along with a Postgraduate Diploma in Cyber Law and Forensics from the National Law School of India University, Bengaluru.

Guides by Shraddha

Writes the enforcement and recovery-practice guides: the legal instruments, the collection process, and what to demand from any agency.

Section 9 of the IBC: the operational creditor's route when an Indian company will not payWhat a Section 9 IBC petition does to a corporate debtor, the Section 8 demand notice, the threshold, the dispute defence, and when we advise against it.Suit for recovery of money in India: summary suit, civil suit, cost and timeHow a suit for recovery of money works in India — summary suit, civil suit, commercial suit, attachment before judgment — with honest cost and time estimates.Cheque bounce and Section 138: the practical route for a business creditorHow a Section 138 cheque bounce case works for a business creditor: the strict timelines, the notice, the complaint, and the mistakes that lose it.Section 138 of the Negotiable Instruments Act, explainedSection 138 of the Negotiable Instruments Act: when a dishonoured cheque becomes an offence, the notice and complaint procedure, punishment, defences.Demand notice for unpaid invoices: what it must contain, and why it worksWhat a demand notice for unpaid invoices must contain, how it differs from Section 8 IBC and Section 138 notices, and why most settlements happen after it.Arbitration and mediation for commercial dues: when the contract decides the routeWhen a contract sends an unpaid-invoice dispute to arbitration, how commercial mediation works, what each costs, and when they recover more than a suit.Enforcing a claim against an Indian company from abroad: the routes, and which is fasterHow a foreign supplier enforces a claim against an Indian company: the fresh Indian route, enforcing a foreign judgment or award in India, and which is faster.Debt collection for MSMEs: the 45-day rule, MSME Samadhaan and the Facilitation CouncilWhat the MSMED Act gives a registered small supplier owed by a buyer — the 45-day rule, statutory interest, MSME Samadhaan and the Facilitation Council.What debt collectors can and cannot do in India: the creditor's guide to the rulesThe rules that govern commercial debt collection in India — what a collector may lawfully do, what is prohibited, and what to demand from any agency.Skip tracing in debt collection: finding the debtor who has stopped answeringWhat skip tracing is, how collectors locate a debtor business or director that has stopped responding, what is lawful in India, and when it is the wrong tool.B2B debt settlement: from negotiation to resolutionHow commercial debt settlements are reached in India — when to negotiate, what to concede, how to structure instalments and OTS, and how to make them stick.How business collection actually works in India: B2B debt collection from first reminder to last resortThe B2B collection process in India from first reminder to last resort: the stages, what debtors do at each one, and where most business collection resolves.B2B debt collection FAQsStraight answers on B2B debt collection in India: process, timelines, legality, fees, what to send, and what happens if the debtor will not pay.When to hire a B2B debt collection agency, and what to ask before you doThe signs an account belongs with a B2B collection agency, what to ask before appointing one, what each fee model buys, and the mistakes that lose recoveries.Assessing a customer's credit risk before you extend creditHow a supplier assesses a customer's credit risk before selling on credit — registry checks, credit reports, trade references, red flags and the first limit.

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