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Loan collection voice AI for NBFCs
EMI reminder calls for borrowers 0–30 days past due, and a callback line borrowers can ring, in Hindi, English and Hinglish. The RBI calling window, contact caps and opt-outs are checked before every dial.
- AgentEN
Hello, this is an AI assistant calling on behalf of your lender about your loan account. This call is recorded. Hindi ya English?
- BorrowerHI
Hindi.
- AgentHI
Dhanyavaad. Rohan ji, aapki ₹5,200 ki EMI 5 October ko due thi. Aap payment kab tak kar payenge?
- BorrowerHI
Salary 10 ko aayegi, tab kar dunga.
- AgentHI
Theek hai. 10 October tak ₹5,200, UPI se. Kya yeh sahi hai?
- BorrowerEN
Yes, correct.
What it does on a call
Outbound EMI reminders, 0–30 DPD
Calls early-bucket borrowers with the amount and due date from your file, and asks when they will pay.
Borrower callback line
Borrowers who ring back are checked against the number and details on file before anything about the loan is said. From an unknown number it never confirms or denies a loan; it takes a name and callback number.
Promise-to-pay capture
Captures the date, amount and payment mode, reads them back to the borrower, and files the promise.
Payment-claim capture
When a borrower says they have already paid, it records the claim, date and mode for your team to reconcile.
Hand-off to your team
Disputes, hardship and requests for a person go to your callback queue, or transfer live in working hours.
Rules checked before every dial
The checks run in code, not in the script. If one fails, the call is not placed and the reason is logged.
RBI fair-practice window
Calls only between 8 am and 7 pm.
Contact caps
Per-borrower limits you set. Once reached, no further dial that period.
Opt-out honoured
A borrower who asks not to be called is removed from calling, and the request is logged.
Consent and DND
Consent source and DND status are checked for every number.
- Calling window
- 10:42 IST · inside 08:00–19:00✓
- Contact cap
- 1 of 3 this week✓
- Opt-out
- None on file✓
- Consent
- Loan agreement · on file✓
- DND
- Service call · allowed✓
Lending questions
What is loan collection voice AI?
An AI voice agent that places EMI reminder calls and answers borrower callbacks for a lender. NudgeVoice speaks Hindi, English and Hinglish, captures promises to pay and payment claims, and files every call with a recording, transcript and outcome.
Which borrowers does it call?
Early-bucket borrowers, 0–30 days past due, from the list you upload or sync. Later buckets stay with your team.
How does it follow RBI rules on calling hours?
Every dial is checked against the permitted window of 8 am to 7 pm and the contact caps you set. If a check fails, the call is held and the reason is logged.
Can borrowers call back?
Yes. The callback line answers on your number and checks the caller against the number and details on file before discussing the loan. If the check fails, it takes a callback request instead.
What happens when a borrower asks for a person?
It offers a live transfer to your desk during working hours, or files a callback request with the reason so your team sees it in the queue.
See an EMI reminder call, start to finish
We place a reminder call to a phone you hold, show the pre-dial checks, and open the promise-to-pay record it files.
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