# NBFC Field Visits: Schedule with AI Calls

> How NBFCs and microfinance lenders use AI voice calls to confirm borrower availability before field visits, cut wasted trips and capture promise-to-pay first.

Source: https://edesy.in/blog/nbfc-field-visit-scheduling-ai-calls-2026

**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](https://edesy.in/ai-debt-collector).

> **Build a pre-visit call:** [Start free on Edesy](https://voice-agent.edesy.in/?utm_source=edesy.in&utm_medium=blog&utm_campaign=nbfc-field-visit-scheduling-ai-calls-2026) — 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

1. **Pre-due reminder calls**, then **early-bucket reminders** by AI.
2. **Pre-visit confirmation call** for accounts assigned to the field.
3. **Field visit** with the confirmed time and context.
4. **Post-visit follow-up** for promises made during the visit.

For the reminder stages, see [EMI loan repayment reminder voicebots](https://edesy.in/blog/emi-loan-repayment-reminder-voicebot-2026)
and [voice AI for NBFC and microfinance collections](https://edesy.in/blog/voice-ai-nbfc-microfinance-collections-2026).

## 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](https://edesy.in/blog/rbi-guidelines-ai-collections-voice).
- **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](https://edesy.in/blog/bengali-ai-calling-west-bengal-businesses-2026) and
[Odia AI calls](https://edesy.in/blog/odia-ai-voice-calls-small-business-2026).

## 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](https://voice-agent.edesy.in/?utm_source=edesy.in&utm_medium=blog&utm_campaign=nbfc-field-visit-scheduling-ai-calls-2026),
or [talk to us](https://edesy.in/contact) about portfolio-scale setup.

## Related reading

- [Home loan and LAP leads: AI calls that book visits](https://edesy.in/blog/home-loan-lap-leads-ai-calls-book-visits-2026)

## Frequently Asked Questions

### How can AI calls help NBFC field collections?

Before a field officer travels, an AI voice agent calls the borrower to confirm they will be available, at what time and where, and offers to take the payment by link instead. Officers visit people who are expecting them, and some visits are avoided entirely.

### What does the AI ask before a field visit?

Whether the borrower is available on the planned day, the best time window, the address or landmark, and whether they would prefer to pay online now. Every answer is saved for the field officer's route.

### Is it allowed under RBI rules?

Calls must follow RBI's rules for recovery agents, including calling only between 8 am and 7 pm and never intimidating borrowers. Keep scripts polite and factual, and record every call.

### Which languages can the calls use?

Hindi, Hinglish and regional languages such as Marathi, Bengali, Tamil, Telugu, Kannada, Gujarati, Odia and Malayalam, chosen per borrower or branch.

### How much does a pre-visit call cost?

On Edesy, calls cost Rs 4-6 per started minute and unanswered calls are free. A pre-visit confirmation usually takes about a minute.