AI-powered collection calls in 22+ Indian languages. RBI compliant, 40% better recovery rates, 60% lower costs. Built specifically for NBFCs with CBS integration, bucket-wise strategies, and real-time PTP capture.
Recovery Improvement
Cost Reduction
Daily Calls
RBI Compliant
Integrates with the tools you already use
NBFCs face unique collection challenges - high volumes, limited bandwidth, regional diversity, and strict RBI compliance. Our platform addresses each one.
High DPD, Limited Calling Capacity
AI makes 100K+ calls/day. Never miss a follow-up, even during month-end peaks.
Regional Language Barriers
Native collection calls in Hindi, Tamil, Telugu, Bengali, Marathi, and 17+ more languages.
RBI Compliance Risks
Every call follows Fair Practices Code. Proper timing, language, disclosure. Full recordings.
Poor PTP Follow-through
Automated PTP capture with date. Auto-follow-up if payment not received. 2x PTP conversion.
Enterprise-grade collection automation for NBFCs
Handle massive collection volumes. Scale during month-end without adding headcount. Perfect for NBFCs with large loan books.
Native support for Hindi, Marathi, Tamil, Telugu, Bengali, Gujarati, Kannada, Malayalam, Punjabi, Odia and 12+ more regional languages.
Scripts designed per RBI FPC guidelines. Proper timing (8AM-7PM), respectful language, no threats, proper disclosure. Audit-ready recordings.
Direct integration with Finacle, Flexcube, Nucleus, and custom LMS. Real-time borrower data sync, auto-disposition updates.
Send payment links via SMS/WhatsApp during calls. Process UPI, cards, netbanking in real-time. Instant reconciliation with your systems.
Track recovery rates by DPD bucket, product type, region, and agent. Identify high-risk accounts early. Portfolio health dashboards.
Configure different AI strategies for each DPD bucket. Maximize recovery while maintaining compliance at every stage.
Before Due Date
Gentle EMI reminders 3 days before due date. Payment link sent proactively. High conversion, low effort.
1-30 DPD
Daily reminder calls. Understand payment difficulty. Offer payment plans. Capture PTP with specific date.
31-60 DPD
Increased call frequency. Restructuring offers. Part-payment options. Escalation warning (compliant).
61-90+ DPD
Settlement offers. One-time settlement negotiation. Final notice before legal. Professional, firm tone.
Better recovery, lower costs, zero compliance risk
+40% Recovery
vs. manual calling
100K+ Calls/Day
Massive capacity
3x More Attempts
Per delinquent account
Real-time PTP
Capture & track
60% Cost Savings
vs. collection center
100% Compliant
RBI FPC adherent
Zero Escalations
Professional AI
Full Audit Trail
All calls recorded
See why leading NBFCs are switching to AI-powered collections
| Capability | Manual Calling | Traditional Dialer | Edesy AI Platform |
|---|---|---|---|
| Daily Call Capacity | 200-300/agent | 500-800/agent | 100K+ total |
| Cost per Connected Call | Rs 15-25 | Rs 10-15 | Rs 4-6 |
| Languages Supported | Agent dependent | Agent dependent | 22+ native |
| RBI Compliance | Variable | Script-based | 100% built-in |
| PTP Capture | Manual entry | Manual entry | Automatic + follow-up |
| CBS Integration | Manual update | Limited | Real-time sync |
| Scalability | Add headcount | Add headcount | Instant scale |
Go live in 2-3 weeks
Connect CBS/LMS
Finacle, Flexcube, Nucleus, or API
Configure Buckets
Scripts per DPD stage
Compliance Review
RBI FPC verification
Go Live
Start AI collection calls
Collection automation for every NBFC lending segment
Personal Loans
EMI reminders, overdue collection
Vehicle Finance
Two-wheeler, car loan recovery
Gold Loans
Interest collection, redemption alerts
Microfinance
Group loan, individual loans
Business Loans
MSME, working capital
LAP
Loan against property collections
Consumer Durables
BNPL, EMI collections
Education Loans
Student loan recovery
Every aspect of our platform is designed around RBI's Fair Practices Code and TRAI regulations.
NBFC Case Study
Rs 500 Cr
Loan Book
+38%
Recovery Improvement
-55%
Cost per Collection
2.1x
PTP Conversion
"We deployed Edesy across our Bucket 1-2 portfolio. Within 3 months, our recovery rates improved by 38% while collection costs dropped by more than half. The RBI compliance features gave our compliance team complete peace of mind."
- Head of Collections, Personal Loans NBFC
Common questions about AI collection automation for NBFCs
Yes, our platform is fully designed around RBI's Fair Practices Code (FPC) for NBFC collections. All calls happen within permitted hours (8 AM - 7 PM), scripts use respectful language, no threatening or abusive content, proper disclosure of identity, and all conversations are recorded for audit purposes. We regularly update scripts based on RBI circulars.
We provide pre-built integrations with Finacle, Flexcube, Nucleus, Mambu, and other popular CBS/LMS platforms. For custom systems, we offer REST APIs. Borrower data (overdue list, contact details, loan info) syncs automatically, and call outcomes update your system in real-time.
Absolutely. You can configure different scripts, call frequencies, and escalation paths for Bucket 0 (pre-due), Bucket 1 (1-30 DPD), Bucket 2 (31-60 DPD), and Bucket 3+ (61-90+ DPD). The AI adapts tone and offers based on the bucket - gentle reminders for early buckets, firmer (but compliant) communication for older buckets.
When a borrower commits to pay by a specific date, the AI captures the PTP with amount and date, sends confirmation via SMS, and schedules automatic follow-up if payment isn't received. PTP conversion rates and fulfillment tracking are available in the dashboard.
We support 22+ Indian languages including Hindi, Tamil, Telugu, Bengali, Marathi, Gujarati, Kannada, Malayalam, Punjabi, Odia, Assamese, and more. The AI speaks naturally in each language with region-appropriate accents and idioms, crucial for effective collection communication.
Yes. The AI sends payment links via SMS or WhatsApp during the call, guides borrowers through UPI or card payment, and confirms completion in real-time. This dramatically improves immediate payment rates compared to 'I'll pay later' promises.
We offer volume-based pricing starting at Rs 4 per successful connected call. Enterprise NBFCs with high volumes get custom pricing with SLAs. No setup fees for standard integrations. Contact us for a custom quote based on your loan book size.
Our dashboard provides recovery rates by DPD bucket, product type, region, and time period. You can track PTP conversion, payment completion rates, call connectivity, and compare AI performance vs. human agents. Reports can be exported or integrated via API.
Deep-dive into specific capabilities
Get a personalized demo for your NBFC. See how AI collection automation improves recovery rates while ensuring RBI compliance.
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