Gold loan borrowers usually want their gold back. Many simply miss the interest date or tenure end. An AI voice agent can remind every borrower in their language (Malayalam, Tamil, Telugu, Kannada or Hindi) about interest dues, tenure-end dates and their options to pay, renew or close, send a payment link during the call, and record what they plan to do. Branch staff then focus on borrowers who need help.
Try a gold loan reminder: Start free on Edesy — Rs 50 free credit, no demo needed.
Calls to automate
| Call | Timing | Captured |
|---|---|---|
| Interest due reminder | Before due date | Will pay / paid / needs time |
| Tenure-end notice | 30 and 7 days before | Renew / close / visit branch |
| Renewal follow-up | After tenure end | Decision, branch visit date |
| Branch visit confirmation | Day before | Coming, time |
Example (Malayalam-English)
Namaskaram {{name}}, {{lender}} {{branch}} branch-il ninnu automated call aanu. Ningalude gold loan {{tenure_end}}-nu kaalavadhi theerum. Renew cheyyano, athalla close cheyyano? Njan payment link ayakkatte?
More in Malayalam AI calls for Kerala businesses and Tamil AI calls.
Rules for gold loan calls
- Polite, factual, no pressure; never mention consequences not approved by the lender.
- Calling hours 8 am-7 pm, per RBI's instructions on recovery calls; see RBI guidelines for AI collection calls.
- Confirm the borrower before sharing loan details.
- Never ask for OTPs or PINs.
- Record every call for audit.
Pairing with EMI and field workflows
For EMI-based loans, see EMI loan repayment reminder voicebots; for accounts assigned to field staff, see NBFC field visits with AI calls.
Cost
On Edesy, calls cost Rs 4-6 per started minute depending on your prepaid top-up, with unanswered calls free.
Start with next month's tenure ends
Create a free account, upload one branch's list, or talk to us about portfolio-scale calling.