AI voice agent makes EMI reminder + recovery calls 24/7 (within 8am-7pm RBI window). Soft-touch reminders, hard-recovery escalation, settlement negotiation. Compliant with RBI Fair Practices Code + TRAI + DPDP. Multi-language. Built for Indian NBFC volumes (10K+ calls/day).
From ₹95,000
Production build
RBI FPC
Compliant
10K+ calls/day
Volume capable
30-50%
Cost reduction vs human team
'Hi [Name], your EMI of ₹5,000 is due on the 15th — would you like to pay now?' Payment link via WhatsApp.
Confirms upcoming auto-debit. Catches insufficient balance issues before failure.
Soft-touch, helpful tone. Negotiates payment plan if needed. Sends payment link.
Escalation, settlement negotiation. Documented per RBI Fair Practices Code (no harassment).
DPD 30+ → escalate to human collection officer with full conversation history.
Every call result synced to LeadSquared, Salesforce Financial Services Cloud, custom LMS.
RBI Fair Practices Code: no harassment, calls 7am-7pm only
TRAI: DND scrubbing before every campaign, opt-out in every call
DPDP Act 2023: explicit consent, data minimization, right to erasure
Audit logs of every interaction (for RBI / regulator inspection)
Recording disclosure in caller's language
No abusive/threatening language (AI is constitutionally polite)
Sensitive data masked in transcripts (PAN, Aadhaar)
Multi-state regulatory awareness (state-specific collection laws)
Human collection agent: ₹35-50K/mo + management + training + churn
5-agent team: ₹2L+/mo for 100-200 calls/agent/day capacity
AI alternative: unlimited concurrent calls, ₹4K/mo retainer + per-call cost
Recovery rate: similar (sometimes higher due to consistency + speed)
Cost reduction: 30-50% typical for NBFCs we've worked with
Compliance audit posture: stronger with AI (every call logged + searchable)
Pick the implementation approach that fits your scale + needs.
Productized 24/7 phone receptionist for SMB.
Custom build on Vapi, Retell, Bolna, Edesy, or others.
Monthly retainer to run your voice campaigns end-to-end.
Connect voice agent to HubSpot, Zoho, Salesforce, GoHighLevel.
Voice ↔ WhatsApp handoff for India-first audiences.
Not sure which approach? Paid 1-hour consulting (₹10K credit-back).
Book a 30-min call. We'll cover compliance posture + cost comparison.