Use case · Lending and NBFCs
Most customers know the EMI is due and say so in one sentence. A few have a reason the date won't work. The agent calls a few days early, confirms the amount and the date, and writes down when they'll pay, so your team only calls the people who need a person.
AI agents from ₹1 a minute.¹
How it works
Upload a spreadsheet, or send each customer from your own system. Phone number first. The rest is what the agent needs to know.
Your list
| phone | customer_name | product | and 4 more columns |
|---|---|---|---|
| +91 98XXX XXXXX | Sunita Patil | two-wheeler loan |
7 columns · one row per customer
The call
90 s a typical call
Hindi · English · Hinglish · Gujarati · Tamil · Telugu
Outbound calls
Your system
+4 more fields
| Column | Needed | What goes in it |
|---|---|---|
phone | Required | The number to call, with the country code (+91…). A ten-digit Indian mobile gets +91 added. In Excel, format this column as Text first so the number is not changed. |
customer_name | Optional | e.g. Sunita Patil · The full name. The agent checks it's talking to this person before it mentions the account. |
product | Optional | e.g. two-wheeler loan |
amount_due | Optional | e.g. 4200 · Plain digits. The agent says it as 'चार हज़ार दो सौ'. |
due_date | Optional | e.g. 5 November |
payment_methods | Optional | e.g. UPI, net banking or at the branch · Ways the agent may suggest. It never takes card or UPI details itself. |
loan_account_ref | Optional | e.g. LN-4471902 · Never read out. It comes back with the result. |
What comes back
When the call ends, your system gets the transcript and the answer. Your campaign report gets a row for every customer.
{
"analysis": {
"data": {
"payment_status": "will_pay_later",
"promised_date": "2026-11-07",
"spoke_to_customer": true
},
"template": {
"name": "emi_promise_to_pay",
"missing": []
}
},
"status": "completed"
}Cost
One connected call, on the plan you choose. T1 is chosen; T3 and T5 are one press away.
On T1, one connected call
₹1.50
A 90-second call at ₹1 a minute.
On T3, one connected call
₹4.50
A 90-second call at ₹3 a minute.
On T5, one connected call
₹7.50
A 90-second call at ₹5 a minute.
At ₹1 a minute on our volume plan, a 90-second reminder with a promised date is ₹1.50. “हाँ, कर दूँगी” ends sooner. Weigh it against one bounced payment and everything that follows it.
T5 and T3 include our phone line and call insights. On T1 you add them if you want them, and this call then comes to about ₹2.25.
T1's ₹1,00,000 a month covers about 66,666 of these calls. T3's ₹50,000 a month covers about 11,111 of these calls. The minimum goes into your wallet as credit.
You pay when someone picks up. Missed, busy and failed calls are free. A voicemail counts as a call.
In detail
A reminder before the due date is mostly information. What’s due, how much, by when, how to pay. Most customers say “हाँ, पता है”, and that’s the call. Some have a reason the date won’t work: the salary comes on the 7th this month. A few think the amount is wrong.
That spread is what the agent is for. It handles the routine calls, writes down the promised dates, and leaves the disputes and hard cases to your team.
Reminder calls go wrong on tone. The agent’s tone comes from its prompt, so the polite script it uses at 10 in the morning is the one it uses at 6 in the evening, and you can read every transcript to check. It’s only as good as what you write, so write these rules into it:
When the customer says the salary comes on the 7th, the agent asks whether they can pay on 7 November and notes it. After the call, your system gets that date along with the right SMS template, already filled in. If they only said “next week”, the date is marked missing. Nothing gets guessed.
Just before each call, the agent can also check whether the payment already came in. Calling someone who paid this morning is the quickest way to annoy them.
Disputes about the amount. Requests to restructure or pause payments. Hardship. Anything legal. The agent can’t transfer calls, so it promises a call from the team and notes why. Read every disputed call in full. They’re often the first sign of a billing error on your side.
If you’re an RBI-regulated lender, its circular on recovery agents keeps recovery calls between 8 a.m. and 7 p.m. and bars threatening or persistent calling. A pre-due reminder isn’t recovery, but one calling window inside those hours is easier to audit. Keep top-up offers off these calls too, since TRAI treats a reminder as a service call only while it stays one.
Questions
It says what your prompt allows, so write the limits in: no consequences beyond the facts you list, no pushing, no arguing over the amount. Then read the first transcripts before you raise the volume.
The agent asks for the customer by name first. If it's someone else, it asks when to call back and ends the call without saying what it was about.
No, and the agent never asks for card or UPI details. After the call, your system sends the payment link by SMS.
The call works the same way, but the rules are stricter. For RBI-regulated lenders, recovery calls must stay between 8 a.m. and 7 p.m., and threatening or persistent calls are barred. Set your hours and retries with that in mind, keep hardship cases with your team, and check for any later RBI directions that apply to you.
If you call enough to spend ₹1,00,000 a month, yes. That money goes into your wallet as credit and never expires. To try it on one month's due list, start at ₹5 a minute with no commitment, or ₹3 with a ₹50,000 commitment.
Fifteen minutes with the team that builds it. Bring your script, or your hardest call.
Book 15 minutes