RCU Investigations
Full Risk Control Unit support — sampling, screening and deep-dive investigation of suspect files before and after disbursement.
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Since 2008, S.P.S Financial Management Services Pvt. Ltd. has been a trusted name in Risk Control Unit (RCU), Field Investigation, Verification and Financial Risk Management across Punjab — delivering every report with uncompromising precision, confidentiality and integrity.
S.P.S Financial Management Services Private Limited is a professional risk verification and investigation firm serving Banks, NBFCs, Housing Finance Companies and Asset Finance lenders across Punjab. What began in 2008 as a small field verification desk has grown into a disciplined, technology-enabled operation handling thousands of cases every month.
Our strength is simple: local knowledge that cannot be outsourced, paired with process rigour that lenders can audit. Our investigators know the mandis of Ludhiana, the industrial belts of Jalandhar, the village clusters of Bathinda and the trade corridors of Amritsar — and they report what they find, without exception.
Findings are reported as observed. No influenced reports, ever — that discipline is why panels retain us for decades.
NDA-bound teams, restricted case visibility and encrypted report delivery protect your customer data end to end.
Geo-tagged photographs, timestamps and source records back every conclusion we put on paper.
Allocation to closure in 24–48 hours for standard cases, with escalation paths for priority files.
Twenty-one specialised service lines, delivered under a single accountable panel — from pre-sanction field checks to full-scale fraud investigation, stock and warehouse audits.
Full Risk Control Unit support — sampling, screening and deep-dive investigation of suspect files before and after disbursement.
On-ground verification of applicant claims, neighbourhood reference checks and independent assessment of repayment capacity.
CPV across residence, office and business addresses with geo-tagged proof, third-party confirmation and photographic evidence.
Confirmation of address, ownership or tenancy status, period of stay, family profile and locality standing of the applicant.
Independent confirmation of employer existence, designation, tenure, salary credibility and HR-level validation.
Assessment of business vintage, premises, stock levels, staff strength, turnover indicators and market reputation.
Site identification, boundary and measurement checks, ownership trail, encumbrance indicators and construction stage reporting.
Authentication of submitted documents at source — issuing authority checks, format forensics and tamper detection.
Verification of identity, address and income documents including bank statements, ITRs, GST filings and salary slips.
Field-level inputs that strengthen credit decisioning — income triangulation, obligation checks and risk commentary.
Screening before disbursement and monitoring after — end-use verification, early warning signals and portfolio checks.
Pre-employment screening covering identity, address, education, past employment, criminal record and reference checks.
Onboarding due diligence for dealers, distributors and merchants — premises, trade references and channel credibility.
Identification of forged documents, impersonation, synthetic profiles, collusion patterns and organised fraud rings.
Discreet enquiry into entities, promoters and counterparties — litigation indicators, market standing and hidden linkages.
Physical sighting and condition assessment of hypothecated assets — vehicles, machinery, equipment and inventory.
Independent physical stock counts reconciled against books, drawing power statements and hypothecation records.
Warehouse and godown inspection covering storage conditions, stacking, security, custodial controls and quantity validation.
Every visit stamped with GPS coordinates, date-time and images — auditable proof that the field team was physically present.
Locating untraceable applicants and absconding borrowers through field intelligence and local source networks.
Bespoke mandates built around your credit policy, product profile, sampling logic and reporting formats.
We run our entire operation on state-of-the-art in-house software. Cases are allocated to the right field officer automatically, progress is visible to your team live, and reports are generated with AI assistance — structured, consistent and ready for credit review.
Cases route automatically by product, pin code, officer capacity and TAT priority — no manual dispatch delays.
Field inputs are converted into standardised, exception-flagged reports in your prescribed format within minutes.
GPS coordinates, timestamps and images are captured at the point of visit and locked against the case file.
Pending versus completed dashboards, distance records, downloadable image sets and automated invoicing per client.
Vendors, field officers and client teams see only what they are entitled to see. Every action is logged.
Illustration of the S.P.S Operations Manager — our live case management platform.
Files arrive via API, portal upload or secure email and are logged instantly against your panel.
The system assigns the case to the nearest qualified officer based on pin code, product and capacity.
Physical visit conducted with geo-tagged photographs, third-party references and source verification.
A supervisory desk reviews evidence, challenges gaps and signs off before anything reaches you.
AI-assisted report generated in your format, delivered within TAT with full image annexures and MIS.
We operate a permanent field network across all 23 districts of Punjab — not a freelance roster assembled per case. Our officers live in the territories they verify, which is why we can close rural and semi-urban cases in the same TAT as metro files.
Coverage extends across major urban centres, industrial belts, agricultural mandis and remote village clusters, with supervisory oversight at the zonal level.
…and a wider panel of Banks, NBFCs, Housing Finance and Asset Finance institutions across the region.
Eighteen years in the same territory builds source networks no national vendor can replicate. We know which addresses are real, which references are borrowed and which businesses exist only on paper.
Our in-house platform handles allocation, tracking, geo-tagged evidence, AI-assisted reporting, MIS and billing — giving your team live visibility instead of end-of-week email updates.
Every officer is background-verified, trained on your product and policy, carries identification, and is measured on accuracy — not just volume.
No report leaves our desk without supervisory review. Evidence is challenged internally so that exceptions reach you flagged, explained and defensible in audit.
RCU, FI, CPV, legal and technical support, background checks, stock and warehouse audits — one accountable panel instead of five vendors and five formats.
Customer data is handled under NDA with restricted case visibility, controlled storage and secure delivery. Our discretion is part of what you are buying.
Whether you are empanelling a new vendor in Punjab, consolidating fragmented field partners or commissioning a stock audit, our leadership team will respond personally within one working day.
S.P.S Financial Management Services Pvt. Ltd.
Ludhiana, Punjab, India
Monday – Saturday · 9:30 AM – 6:30 PM IST