EMI collection in India is a Hindi, Tamil, Telugu, Bengali, Marathi conversation — not English. Voice AI runs RBI-compliant collection calls in 16+ Indic languages, sends UPI/Razorpay payment links mid-call, and recovers 21-35% more on first call than reminder-only SMS or English telecaller approaches.
Higher Recovery
Indic Languages
UPI / Razorpay
Guidelines Compliant
Specific to Indian lending economics and customer mix
Tier-2/3 borrower called in Hindi has 84% pickup. Same borrower in English: 58%. Voice AI in Indic languages closes that gap.
3-5 days before EMI date. Voice AI in borrower's language + UPI link = 30-40% reduction in missed payments.
Consistent, calm, non-threatening tone across thousands of calls. No rogue collection agents creating compliance risk.
Mandatory disclosures, time-bound calling (9am-9pm), frequency caps, opt-out tracking, full recording. Auditable across every call.
Razorpay or UPI link sent via SMS/WhatsApp during the call. Borrower pays in 90 seconds. AI confirms receipt before ending.
If borrower can't pay now, AI captures verbal PTP with specific date and amount. Auto-schedules follow-up call.
Tested against Indian lending portfolios
LazyPay/Slice/Cred/MoneyView/KreditBee — high-volume tier-2/3 borrowers, Hindi/regional language critical.
Manappuram, Muthoot, IIFL Gold — pledge maturity reminders, top-up offers, renewal calls in regional languages.
Bajaj Finance, Fullerton, IIFL, Tata Capital, Poonawalla — EMI calls, top-up offers, restructuring conversations.
Weekly/fortnightly collection in Hindi, Bhojpuri, Maithili, Tamil. Field-staff productivity multiplier in deep rural.
AAVAS, Aptus, Aadhar HFC, Mahindra Rural Housing — long-tenure home loans for affordable segment in Indic languages.
Term, motor, health renewal premium reminders. Persistency rate improvement via voice AI in regional languages.
What a campaign actually looks like end-to-end
Real outcomes from lending teams running voice AI
"We have a ₹500cr portfolio with 60% in tier-2/3 markets. English-only collection agents were getting 58% pickup. Hindi voice AI on the same accounts got 84% pickup and 21% higher first-call recovery."
21% Higher First-Call Recovery
Mid-Market NBFC
Recovery
"Microfinance loans in UP and Bihar required field visits costing ₹150 each. Voice AI in Bhojpuri now collects 70% before field staff need to step in. Field cost down 60%."
60% Lower Field Cost
Microfinance Institution
Field Ops
"Our lending app's BNPL portfolio had 18% missed-payment rate. Voice AI pre-due reminders in Hindi + UPI link dropped that to 11% in 8 weeks. Zero new hires."
39% Drop in Missed Payments
Lending App
Risk
Common questions from collections teams
Related pages for fintech and lending teams
AI-powered phone calls from ₹6/min — or bring your own AI keys and pay just ₹1.5/min platform fee
Free trial includes 10 minutes of voice calls in your preferred language. Test against your current collection benchmark.
Every business is unique. Let's discuss your specific needs and create a pricing plan that works for you.
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Flexible payment options
Volume discounts available
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