BFSI · collections · outbound

EMI recovery calls, without the collections agent.

Gentle, RBI-compliant soft collections at ₹5–8 per successful recovery. Promises-to-pay logged to CRM, Hindi-Tamil-Marathi spoken natively, zero human headcount.

See it on your own overdue listTalk to a collections lead
41%
P2P rate on 7-15 day overdues
₹5-8
cost per recovery
0
complaints to RBI Ombudsman
Live recovery call
₹18,500 overdue · 11 days
LIVE
AGENT · 00:02

"Namaste Rajesh ji, main Asha hoon from your lender. Do minute baat kar sakte hain?"

CALLER · 00:07

"Haan bolo."

AGENT · 00:10

"Aapka EMI of ₹18,500 due tha on April 10. Late fee of ₹450 add ho gaya hai. Aaj pay kar denge ya kal tak time chahiye?"

CALLER · 00:22

"Kal shaam tak kar dunga."

AGENT · 00:26 · LOG P2P

"Theek hai sir, kal 6 PM tak promise-to-pay note kar rahi hoon. UPI link WhatsApp pe aa raha hai abhi. Dhanyavaad."

44 sec · Hindi · Delhi accent✓ P2P logged to CRM
The loop

Six steps, fully automated

Every overdue call, end-to-end. The CRM never lies about what was said, because the transcript is verbatim.

STEP 1
Overdue list
Import from your LMS or upload as CSV. API or webhook, your choice.
STEP 2
Scrub
DND check, cooling-off, repeat-call frequency enforced per RBI.
STEP 3
Call
Hindi/English/regional — adapt on the first greeting.
STEP 4
Negotiate
Confirm overdue, handle objections, offer 3 payment paths.
STEP 5
Log
Promise-to-pay date, payment channel, call recording to CRM.
STEP 6
Follow up
WhatsApp UPI link, calendar reminder, human escalation if distressed.
Case study · Tier-1 lender

"We went from a 40-person call floor to zero agents, overnight."

A mid-sized Indian lender running a ₹400cr unsecured loan book used to burn ₹48L/mo on a 40-seat collections floor. VoiceAI took the 7–15 day overdue bucket first.

"Our P2P rate went up by 11 points. Not because the AI is smarter — because it doesn't get tired at call 200 the way a human does at call 50."

Head of Collections · Tier-1 lender · ₹400cr book
Monthly savings
vs prior call-floor cost
₹36 L
Calls handled
1,200 concurrent capacity
48,000 / mo
Avg call duration
down from 2m 40s human
54 seconds
P2P rate lift
30% → 41% on 7-15 day bucket
+11 pts
Compliance incidents
In 6 months of production
0
Why this works for BFSI

Built by people who've run a call floor

01
Empathetic by default
No threats. No caps-lock shouting. RBI Fair Practices Code baked in.
02
Hinglish, Tamil, Marathi
Recovery rates in regional languages are 2× Hindi. The AI picks on the caller's greeting.
03
Promise-to-pay logic
Understands date negotiation — "kal", "parson", "end of month" — and converts to CRM-ready ISO dates.
04
Escalation on distress
If the caller mentions hardship (job loss, illness), the AI offers hardship-restructure path and flags for human.
05
UPI link mid-call
Triggers a WhatsApp Pay / UPI deep link during the call. Callers can pay before hanging up.
06
Cooling-off enforcement
Same number cannot be called more than thrice in 30 days, and not after 8 PM. Platform-enforced.

Live in 5 minutes. Really.

Sign up, describe your agent in one sentence, test-call your own phone. If you're not live inside 5 minutes, we'll credit your account.

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₹100 credits · no card · 100 min free · OTP signup