Evaluation Benchmark & Counterfactual Analysis

Debtor & Hard-Case Archetype	Baseline Policy Action	AI Agent Decision	Adjudication Verdict	Drill-down
Kaveri Textiles Pvt Ltd DEB-004 • TDS Deducted (Form 26AS Reconciliation)	ESCALATE (email, Rs 6,052,664) Single-track calendar dunning	RECONCILE (email, Rs 0) Policy Envelope calibrated	Agent Win (Prevents false underpayment accusation)	Details
Debtor Context & Profile Deducted 10% TDS under Section 194C/J and remitted net balance. Regular commercial account. Why Baseline Erred Blindly treated the statutory TDS withholding shortfall as a delinquent default and issued an aggressive escalation notice demanding unowed money. Why Agent Won Recognized legitimate tax withholding, suppressed debt collection dunning, and requested Form 26AS certificate for seamless accounting reconciliation without friction. Drafted Outreach Copy EMAIL • EN Subject: TDS Reconciliation Request: Invoices INV-4020, INV-4028, INV-4043, INV-4212, INV-4318 - Nandi Precision Components Open Full Draft Preview
Meridian Logistics DEB-005 • Off-Rail NEFT Payment (UTR Verification)	ESCALATE (email, Rs 744,400) Single-track calendar dunning	RECONCILE (email, Rs 0) Policy Envelope calibrated	Agent Win (Prevents double-billing good payer)	Details
Debtor Context & Profile Paid full invoice balance via offline direct NEFT/RTGS bank transfer with UTR submitted. Why Baseline Erred Missed direct bank credit because funds bypassed payment link; escalated and threatened legal action against an already settled customer. Why Agent Won Flagged UTR reference on record, initiated banking ledger reconciliation, and avoided humiliating double-billing of a good payer. Drafted Outreach Copy EMAIL • EN Subject: Payment Verification (UTR Confirmation) - Nandi Precision Components Open Full Draft Preview
Pushpa Foods Pvt Ltd DEB-020 • Active Dispute (Dispute Triage & MSMED Clock Reset)	ESCALATE (email, Rs 718,300) Single-track calendar dunning	RESOLVE_DISPUTE (email, Rs 0) Policy Envelope calibrated	Agent Win (Complies with MSMED s.15 objection rules)	Details
Debtor Context & Profile Raised formal goods/service quality objection within 15-day statutory objection window under MSMED Section 15. Why Baseline Erred Escalated demand notice with statutory compound penal interest despite open dispute, violating MSMED Section 15 deemed acceptance rules. Why Agent Won Suspended statutory interest clock, paused collection chasing, and routed objection to human dispute triage with structured evidence checklist. Drafted Outreach Copy EMAIL • EN Subject: Dispute Triage & Clarification: Invoices INV-4230 - Sagar Trading Company Open Full Draft Preview
Mahalaxmi Hardware DEB-018 • Trader Merchant Refusal (MSMED Exclusion)	ESCALATE (email, Rs 10,361,700) Single-track calendar dunning	REQUEST_PAYMENT (email, Rs 10,361,700) Policy Envelope calibrated	Agent Win (Avoids unlawful statutory threats)	Details
Debtor Context & Profile Supplier is a registered retail/wholesale trader (NIC 45-47), strictly ineligible for MSMED Section 15/16 benefits. Why Baseline Erred Unlawfully threatened MSMED Section 15/16 3x RBI compound penal interest and Section 43B(h) tax disallowance on behalf of a non-manufacturing trader. Why Agent Won Strictly enforced statutory eligibility bounds, refused unlawful legal threats, and calibrated communication to a firm commercial collection notice. Drafted Outreach Copy EMAIL • HINGLISH Subject: Payment Reminder - Sagar Trading Company (INV-4007, INV-4008, INV-4111, INV-4119, INV-4258, INV-4344) Open Full Draft Preview
Everest Cold Chain DEB-012 • VIP Relationship Protection (<5% Exposure)	ESCALATE (email, Rs 266,760) Single-track calendar dunning	RECONCILE (email, Rs 0) Policy Envelope calibrated	Agent Win (Protects a high-value account the baseline would escalate)	Details
Debtor Context & Profile Strategic enterprise buyer with ₹8.4 Cr annual turnover and <5% portfolio exposure. Minor invoice timing friction. Why Baseline Erred Applied rigid calendar dunning ladder and sent abrasive escalation notice, jeopardizing multi-crore enterprise contract over minor timing friction. Why Agent Won Policy envelope enforced VIP relationship protection, barring abrasive dunning and routing to polite collaborative reconciliation. Drafted Outreach Copy EMAIL • HINGLISH Subject: TDS Certificate Request - Nandi Precision Components (INV-4058, INV-4353) Open Full Draft Preview
Girija Chemicals Pvt Ltd DEB-008 • Opt-Out Debtor (Zero-Harassment Compliance)	ESCALATE (email, Rs 2,372,600) Single-track calendar dunning	WAIT (none, Rs 0) Policy Envelope calibrated	Agent Win (Zero harassment compliance)	Details
Debtor Context & Profile Registered explicit opt-out request under DPDP / TRAI commercial communication regulations. Why Baseline Erred Repeatedly spammed debtor with automated WhatsApp and email demands, committing direct regulatory compliance violations. Why Agent Won Enforced immediate, permanent contact suppression (WAIT with 0 touches), maintaining complete regulatory compliance. Outbound communication suppressed by policy envelope (Zero-Touch WAIT Restraint).
Silverline Interiors DEB-017 • Reliable Late Payer (Restraint over Noise)	ESCALATE (email, Rs 1,533,300) Single-track calendar dunning	WAIT (none, Rs 0) Policy Envelope calibrated	Agent Win (Avoids spamming reliable customers)	Details
Debtor Context & Profile Habitual late payer (avg ~5 days late) with 7 of 7 promises kept; 100% historical settlement record. Why Baseline Erred Sent premature intrusive dunning reminders on Day 30, generating unnecessary noise and annoying a loyal paying client. Why Agent Won Exercised intelligent WAIT restraint, trusting debtor's verified payment cycle and achieving zero-touch recovery without friction. Outbound communication suppressed by policy envelope (Zero-Touch WAIT Restraint).
Nova Retail Systems DEB-007 • Complex Mixed-State Account (Human Handoff)	ESCALATE (email, Rs 1,254,986) Single-track calendar dunning	HUMAN_HANDOFF (none, Rs 0) Policy Envelope calibrated	Agent defers to human review (baseline escalates regardless)	Details
Debtor Context & Profile 3+ open invoices across conflicting states (dispute + partial payment + overdue) with low promise reliability. Why Baseline Erred Applied generic single-invoice escalation rule blind to composite account complexity, risking litigation. Why Agent Won Recognized aggregate ambiguity exceeded autonomous confidence threshold and safely routed to human credit specialist (HUMAN_HANDOFF). Outbound communication suppressed by policy envelope (Defers to Human Credit Specialist).