For NBFC and microfinance field collections, the most expensive outcome is a wasted trip: an officer travels to a borrower who isn't home. An AI voice call the day before fixes most of that. The agent confirms the borrower will be available, at what time and where, and offers to take the payment by link instead. Officers then visit people who expect them, and some visits aren't needed at all. EMI reminders and soft collections are among the most common uses of our platform; pre-visit confirmation is the natural next step. See the AI debt collector.
Build a pre-visit call: Start free on Edesy — Rs 50 free credit, no demo needed.
The pre-visit call
Namaste {{name}} ji, main {{lender}} ki taraf se ek automated call kar rahi hoon. Aapki {{amount}} rupaye ki EMI pending hai. Humare field officer kal {{area}} mein aayenge. Kya aap kal ghar par honge? Subah ya shaam, kaunsa time theek rahega?
- Available: confirm time window and landmark.
- Wants to pay now: "Main aapko payment link SMS par bhej deti hoon."
- Not available: "Aap kab uplabdh honge?"
Capture: available (yes/no), time window, address/landmark confirmed, paid online, new date.
What changes for field teams
| Before | After |
|---|---|
| Routes planned from the overdue list | Routes planned from confirmed availability |
| Many trips find no one home | Visits to borrowers who expect the officer |
| Every account needs a visit | Some pay by link after the call |
| No record before the visit | Promise, time and landmark captured |
How it fits the collection flow
- Pre-due reminder calls, then early-bucket reminders by AI.
- Pre-visit confirmation call for accounts assigned to the field.
- Field visit with the confirmed time and context.
- Post-visit follow-up for promises made during the visit.
For the reminder stages, see EMI loan repayment reminder voicebots and voice AI for NBFC and microfinance collections.
Rules to follow
- Call only between 8 am and 7 pm, per RBI's instructions on recovery agents. See RBI guidelines for AI collection calls.
- Polite, factual scripts approved by the lender; no threats or pressure.
- Talk only to the borrower about the loan.
- Record every call for audit.
Languages
Microfinance borrowers are spread across states; call them in their language. Hindi, Marathi, Bengali, Tamil, Telugu, Kannada, Gujarati, Odia and Malayalam are all available, selected per branch or per borrower. See Bengali AI calls and Odia AI calls.
Getting the data to the field
Export confirmed visits by branch and officer as CSV or Google Sheets each evening, or push them to your collection system by webhook. Officers start the day with a list sorted by time window and area.
Cost
On Edesy, calls cost Rs 4-6 per started minute depending on your prepaid top-up, with unanswered calls free. A pre-visit call usually takes about a minute: far less than an officer's wasted trip.
Start with one branch
Run pre-visit calls for one branch's field list for two weeks and compare visits per collection. Create a free account, or talk to us about portfolio-scale setup.