Banking Use Cases
Banking & FinTech

AI EMI Collection Calls

30% faster collection with polite automated reminders

AI voice agent makes polite collection calls for overdue EMIs, handles objections gracefully, sends payment links, and escalates only when necessary.

30%
Faster Collection
vs manual calls
45%
Same-Day Payment
After AI call
80%
Contact Rate
Voice + WhatsApp
60%
Cost Reduction
Collection costs

How It Works

1

Due Date Passes

System identifies overdue accounts (1 day, 7 days, 30 days)

2

AI Call

Polite reminder call with payment details

3

Handle Objections

AI addresses "will pay later", "financial issues", etc.

4

Payment Link

Instant payment link sent via SMS/WhatsApp

5

Escalation

Persistent non-payers flagged for human follow-up

EMI Collection Call

AI Agent • Active

Hello, this is a call from ABC Finance regarding your loan account. Am I speaking with Mr. Patel?

Yes, that's me.

Good morning, Mr. Patel. This is a gentle reminder that your EMI of ₹12,500 for loan number ending 4567 was due on the 5th. The outstanding amount is now ₹12,875 including late fee. Would you like to clear this today?

I'm having some financial difficulties this month. Can I pay next week?

I understand financial situations can be challenging. However, clearing the dues quickly will help avoid additional late fees. Would you be able to make a partial payment today, say ₹5,000, and the rest by next Friday?

Yes, I can do ₹5,000 today.

That's great, Mr. Patel. I'm sending you a payment link for ₹5,000 on WhatsApp right now. You can pay using UPI, card, or net banking. And I'll schedule a follow-up call for next Friday for the remaining ₹7,875. Does that work?

Yes, thank you for being understanding.

Of course. You should receive the payment link in a few seconds. Once you pay, you'll get an instant confirmation. Thank you for your commitment, Mr. Patel. Have a good day!

Key Features

Multi-Stage Cadence

Day 1, Day 7, Day 15, Day 30 — escalating urgency

Instant Payment Links

AI generates and sends Razorpay/PayU links during call

Objection Handling

Trained responses for "no money", "will pay later", "wrong number"

Promise to Pay

AI records commitment date and schedules follow-up

Priority Scoring

Focus on high-value accounts and likely-to-pay segments

Partial Payment

AI can accept and process partial payment commitments

Benefits

Recover 30% more overdue payments
Reduce collection costs by 60%
Maintain customer relationships with polite tone
Handle objections consistently and professionally
Send payment links during live calls
Track promises to pay and follow up automatically
Scale collection capacity without adding staff
Focus human agents on high-touch cases only

Frequently Asked Questions

How does the AI handle angry customers?

The AI is trained to remain calm and empathetic. For very angry customers or those using abusive language, it politely offers to transfer to a supervisor or end the call respectfully.

Can the AI negotiate payment amounts?

Yes, within parameters you set. For example: "Accept partial payment minimum 40% of due amount" or "Offer 2-day extension max". The AI negotiates within these guardrails.

Is this compliant with collection regulations?

Yes. The AI follows RBI guidelines and TRAI regulations for calling times, frequency, and communication standards. All calls are recorded for compliance.

What about customers who dispute the debt?

Disputes are flagged and transferred to your dispute resolution team with full context. The AI does not continue collection attempts on disputed accounts.

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Ready to Get Started?

Deploy this solution in under 5 minutes. No coding required.