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.
System identifies overdue accounts (1 day, 7 days, 30 days)
Polite reminder call with payment details
AI addresses "will pay later", "financial issues", etc.
Instant payment link sent via SMS/WhatsApp
Persistent non-payers flagged for human follow-up
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!
Day 1, Day 7, Day 15, Day 30 — escalating urgency
AI generates and sends Razorpay/PayU links during call
Trained responses for "no money", "will pay later", "wrong number"
AI records commitment date and schedules follow-up
Focus on high-value accounts and likely-to-pay segments
AI can accept and process partial payment commitments
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.
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.
Yes. The AI follows RBI guidelines and TRAI regulations for calling times, frequency, and communication standards. All calls are recorded for compliance.
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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