Are these voice agents RBI compliant?

We deliver RBI-compliance-aware builds — Fair Practices Code (FPC) for collections, call-time restrictions (8am–7pm), no harassment, mandatory recording disclosures, opt-out flows. Full compliance certification requires your internal compliance team's sign-off.

How do you handle TRAI DND compliance?

DND list scrubbing happens before every outbound call batch. Calls to DND-registered numbers are dropped automatically. Audit logs maintained for TRAI inspection.

Does it integrate with our LOS / collections CRM?

Yes. We integrate with LeadSquared (most common in Indian NBFC), Salesforce Financial Services Cloud, Zoho CRM, and custom LOS. See /services/voice-agent-crm-integration for details.

Can the agent handle CIBIL/credit bureau lookup during the call?

Yes — function calling fetches CIBIL score and uses it for live decisioning. Pre-approved offers, conditional approvals, or polite decline messaging based on score buckets.

How do you handle the DPDP Act 2023?

Built into the agent: explicit consent at call start, data minimization (only collect what's needed), right-to-erasure workflow on request, audit logs of all data flows.

Can it process Aadhaar / PAN for verification?

Yes, but with masking. The agent collects last-4 digits for verification, never logs full Aadhaar/PAN, and integrates with official OTP-based Aadhaar verification where required.

What's the typical ROI for a collections voice agent?

NBFC customers typically see 30–50% reduction in collection-team cost, 20–40% lift in DPD bucket movement, and 80%+ reduction in time-to-first-contact. ROI usually positive within 3 months.

What languages can the agent speak?

Hindi, English, Tamil, Bengali, Marathi, Telugu, Gujarati, Kannada, Malayalam, Punjabi, Odia. Code-switching (Hindi-English mix) supported natively.

Can you handle high volumes — 10K+ calls/day?

Yes, that's part of Production and Enterprise builds. We architect for concurrent call capacity, dial-list automation, and platform rate limits.

Will the calls sound aggressive / harass borrowers?

No — we tune voice and tone for empathetic delivery. Aggressive collections are illegal under RBI FPC. Our prompts are designed for respectful negotiation, not pressure tactics.

Industry voice agent — BFSI

Voice Agent for BFSI, Built for Indian Banks, NBFCs, Lenders & Insurance

AI voice agents for debt collection, KYC verification, loan qualification, policy renewals, and customer service. TRAI + RBI compliant. Multi-language. Designed for Indian financial services volumes.

Get a BFSI Build Quote

Book a 30-min scoping call

₹75,000

Quick Build price

TRAI+RBI

Compliance-aware

10K+

Calls/day capable

DPDP

Data protection ready

BFSI voice agent use cases we build

Debt collection / EMI reminders

Soft-touch reminder calls, hard-recovery calls, settlement negotiation. Payment links sent via SMS/WhatsApp. Recording audit trail for compliance.

KYC verification calls

Re-KYC, video-KYC initiation, document collection follow-up. Aadhaar masking, encrypted recording, audit logs.

Loan qualification

Inbound lead qualification for personal loans, business loans, mortgage. CIBIL pull integration, lead scoring, hot-lead routing.

Policy renewal reminders

Outbound calls 30/60/90 days before policy expiry. Renewal payment link, customer service handoff if needed.

Claims status updates

Proactive outbound updates on claim status. Reduces inbound support volume by 40–60% typically.

Customer service / IVR replacement

Replace legacy IVR with conversational voice agent. Account balance, last transactions, FAQ, escalation to human.

Fraud detection callbacks

Outbound verification calls when fraud is suspected. Real-time decision based on customer responses.

Cross-sell / up-sell campaigns

Targeted outbound campaigns for credit cards, top-up loans, insurance riders. TRAI-compliant with proper opt-out.

BFSI-specific build requirements

Banking/lending voice agents have stricter requirements than generic SMB:

RBI Fair Practices Code compliance — no harassment, call time restrictions (8am–7pm for collections)
TRAI DND list scrubbing before any outbound call
DPDP Act 2023 compliance — explicit consent, data minimization, right to erasure
Sensitive data masking in transcripts (PAN, Aadhaar, account numbers)
Audit-grade call logging for compliance review
Multi-language for India's regional borrower base (Hindi, Tamil, Bengali, Marathi, Telugu, Gujarati)
CIBIL / credit-bureau integration for live decisioning
Payment gateway integration (Razorpay, BillDesk, UPI)

Recommended platforms for BFSI

Edesy (recommended): Indian data residency, TRAI/DPDP-aware defaults, bundled compliance audit logs, multi-language built-in
Bolna: Open-source-friendly, self-hosted option for on-premise BFSI compliance
LeadSquared CRM integration: Critical for most NBFC/lending workflows — see our /services/voice-agent-crm-integration/leadsquared page
Vapi/Retell: Possible but require additional compliance retrofit work for BFSI
Bland: Not recommended for India BFSI — US-first stack lacks India compliance defaults

BFSI voice agent pricing

BFSI use cases typically need Production Build (₹1,75,000) or Custom Enterprise (₹3,50,000+) for compliance hardening.

Quick Voice Agent Build

₹75,000one-time+ ₹5,000/month maintenance

Single use case, one language, ready in 2 weeks

Single use case: lead qualification, appointment booking, FAQ bot, or order status
One language (English or one Indian language)
Standard voices from the platform's catalog
Production-ready prompt engineering
Basic CRM webhook (1 platform)
Telephony setup (Twilio, Exotel, or platform-native)
End-to-end test calls verified
1 round of revisions
14 days post-launch bug-fix warranty
Setup documentation
Delivery: 2 weeks

How we'll build your voice agent

Predictable 6-step process from first call to deployed agent

Discovery call

30–45 min call to understand your use case, channels, volume estimates, and chosen platform. Free for standard builds, ₹25,000 for enterprise (credited).

Scope + fixed-price quote

1-page scope document with exact deliverables, timeline, prompt strategy, and price. Two days to deliver.

40% deposit, build begins

Work starts within 2 business days of deposit. You get a Slack/email channel for daily updates.

Prompt engineering + flow build

Prompt drafted, flows configured in your chosen platform, voice + STT + TTS selected for your use case.

Internal QA + your UAT

We run 50+ test calls covering happy paths and edge cases. You sign off on UAT before production deploy.

Production deploy + handoff

Number assigned, agent live, final demo, documentation handoff. 60% balance due. Maintenance retainer starts day after launch.

BFSI Voice Agent FAQ

Edesy build service vs. hiring a freelancer or in-house team

What the alternatives actually cost over 12 months

Feature	Dimension	Upwork freelancer	In-house engineer	Edesy
Prompt engineering expertise
Voice/STT/TTS provider knowledge
Latency optimization built-in
Indian language support out-of-box
Telephony setup included
Fixed price, no overruns
Bug-fix warranty post-launch
Maintenance when models/APIs change
12-month total cost (estimate)

Other industry voice agents we build

For Healthcare

Clinics, hospitals.

For Real Estate

Lead qualification.

For EdTech

Admissions, counseling.

For E-commerce

Orders, returns.

Ready to build your BFSI voice agent?

Book a 30-minute scoping call. We'll send a fixed-price quote within one business day.

Get BFSI Build Quote Contact Sales