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AI calling agent for banks, NBFCs and lenders

Remind every borrower before the EMI date, follow up on NACH bounces politely and record promise-to-pay dates, in the borrower's own language.

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NBFCs and microfinance institutionsTwo-wheeler, gold and consumer durable lendersCooperative banks and credit societiesDigital lending partners of regulated entities
EMI reminder after a NACH bounce in LucknowBanks, NBFCs and lenders · AI voice agentHindi
नमस्ते, यह सरल फाइनेंस की ओर से आपके लोन के बारे में एक ऑटोमेटेड कॉल है, और यह कॉल रिकॉर्ड हो रही है। क्या मेरी बात राकेश जी से हो रही है?Hello, this is an automated call from Saral Finance about your loan, and this call is being recorded. Am I speaking with Rakesh ji?
आपकी ₹3,450 की EMI 5 तारीख को है, और पिछली NACH किस्त बाउंस हुई थी। आप कब तक खाते में पैसे डाल पाएँगे?Your ₹3,450 EMI is due on the 5th, and the last NACH instalment bounced. By when can you fund your account?
4 तारीख तक डाल दूँगा।I'll deposit it by the 4th.
धन्यवाद, 4 तारीख नोट कर ली है। कॉल के बाद SMS पर UPI लिंक आ जाएगा।Thank you, I've noted the 4th. You'll get a UPI link by SMS after the call.
Promise to pay by 4th logged · UPI link sent by SMS after the call

What is an AI calling agent for banks, NBFCs and lenders?

An AI calling agent for NBFCs and lenders calls borrowers before EMI due dates, follows up politely after a NACH or ECS bounce, records promise-to-pay dates and sends a UPI link by SMS or WhatsApp after the call. It handles loan enquiries and KYC reminders, speaks 12 Indian languages and keeps scripts respectful and free of threats.

Updated

What slows banks, NBFCs down on the phone?

Too many borrowers per collection officerOne officer cannot call thousands of borrowers before every EMI date, so early reminders are skipped and bounces rise.
NACH bounces need fast, polite follow-upAfter a bounce, the first few days matter most, but tele-calling teams are stretched and tone varies from caller to caller.
Scripts and conduct are hard to auditManual calls are hard to monitor, which creates conduct risk under fair practices guidelines.

What can an AI calling agent do for banks, NBFCs and lenders?

Outbound
Pre-due EMI remindersCalls borrowers 3 to 5 days before the EMI date, states the amount and asks them to keep the balance ready for the NACH debit.→ Fewer bounces
Outbound
NACH and ECS bounce follow-upPolitely informs the borrower of the bounce, asks when they can pay and records a promise-to-pay date.→ Promise-to-pay captured
Outbound
Promise-to-pay reminder callsCalls again on the promised date and sends a UPI link by SMS or WhatsApp after the call.→ More promises kept
Inbound + Outbound
Loan enquiry and lead qualificationAsks loan amount, purpose, income type and city, and transfers eligible leads to your sales team.→ Qualified loan leads
Outbound
KYC and document remindersReminds borrowers to complete re-KYC, submit missing documents or visit the branch.→ Files completed faster
Outbound
Loan closure and top-up offersInforms good-paying borrowers about closure steps or pre-approved top-up offers you have decided to share.→ Repeat business
Payment reminders

EMI and due-date reminders for lenders

The agent calls before every EMI date, after a NACH bounce and on the promised pay date, always in a polite and respectful tone. A UPI payment link goes by SMS or WhatsApp right after the call, and each promise-to-pay date is logged with the recording.

How payment reminder calls work
  1. Before the due dateHeads-up call with the amount and date.
  2. On the due dateShort reminder, link sent after the call.
  3. After the due datePolite follow-up and a promised pay date.

How does it work?

  1. Your LMS sends the due listUpcoming EMIs, bounces and promise dates go to the API or a daily sheet.
  2. You run recovery calls between 8 am and 7 pmSchedule recovery calls only in this window, with a polite script you approve.
  3. Outcomes return by webhookPromise-to-pay date, dispute flags, recording and transcript update the borrower record.
  4. Follow-up goes outA UPI link goes by SMS or WhatsApp after the call, and disputes go to an officer.

Does it work with our software?

Your loan management system can push upcoming EMIs and bounce events to the REST API every morning. Webhooks return outcome, promise-to-pay date, answers, recording and transcript links so collection teams work only the cases that need a person.

See the API and webhooks

Calls run in your customers' language

हिन्दीHindiEnglishEnglishHinglishHinglishதமிழ்TamilతెలుగుTeluguಕನ್ನಡKannadaമലയാളംMalayalamमराठीMarathiગુજરાતીGujaratiਪੰਜਾਬੀPunjabiবাংলাBengaliଓଡ଼ିଆOdiaঅসমীয়াAssamese

Other MsgClub channels for banks, NBFCs and lenders

Use AI calls together with SMS, WhatsApp, RCS, IVR and missed calls from the same account.

Bulk SMS for banks, NBFCs and lendersWhatsApp Business API for banks, NBFCs and lendersRCS messaging for banks, NBFCs and lendersIVR for banks, NBFCs and lendersVoice broadcast for banks, NBFCs and lendersMissed call service for banks, NBFCs and lenders

Compare every channel for banks, NBFCs and lenders

Questions from banks, NBFCs and lenders

Are the AI calls RBI-appropriate?

You approve a polite script with no threats, abusive language or misleading statements, and schedule recovery calls only between 8 am and 7 pm. From 1 January 2027 RBI also requires recovery calls to be recorded, with the borrower told. Your institution stays responsible for RBI compliance.

What happens if a borrower disputes the amount?

The agent does not argue. It records the dispute, flags it on the dashboard and can transfer the borrower to a branch officer or your grievance team.

Can it call thousands of borrowers before the EMI date?

Yes. Bulk campaigns run thousands of calls at the same time, so your full due list for the 5th can be reminded on the 1st or 2nd in one run.

Which languages can it use with borrowers?

You set the agent up in your customer's language, choosing from 12 Indian languages: Hindi, English, Tamil, Telugu, Kannada, Malayalam, Marathi, Gujarati, Punjabi, Bengali, Odia and Assamese, plus Hinglish. You pick the language per campaign or agent. A Lucknow branch might call in Hindi, a Madurai branch in Tamil.

Are call recordings kept for audit?

Yes. Recordings and transcripts of every call are stored in India and visible on the dashboard, which helps your compliance team check tone and script on any call.

Does MsgClub check DND or consent?

No. Your institution is responsible for consent, DND preferences and calling hours. The agent is built for calling your own borrowers and applicants about their loans.

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Hear the banks, NBFCs agent on your phone

Pick a use case and language, and our AI calls you. Or call our AI now on +91 79714 42373.

Get a demo callCall +91 79714 42373