AI EMI reminder calls that help borrowers pay on time
Remind borrowers before every EMI and NACH debit, find out who is short of funds, and act before the bounce.
What is an AI EMI reminder call?
An AI EMI reminder call is an automated phone call that tells a borrower their EMI amount and debit date before it is due, in the language you choose. It asks whether the bank account will have enough balance, records any expected delay, transfers hardship cases to your team and sends repayment details by SMS or WhatsApp after the call.
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Why is this hard to do by hand?
How does an AI EMI and loan payment reminder call work?
- Send upcoming EMIsUpload a sheet of borrowers with loan number, EMI amount and debit date, or push each record from your loan management system to the MsgClub API.
- Choose template and languageStart from the EMI reminder template and pick the language for each campaign, branch or region.
- AI calls before the debit dateThe agent states the EMI amount and date, asks whether the account will be funded, and records any expected delay with a date.
- Details follow after the callMsgClub sends the EMI amount, date and your repayment link or branch details by SMS or WhatsApp right after the call.
- Focus your team on risky accountsThe dashboard and webhooks show who said 'short of funds' or asked for help, so your collections team calls those borrowers first.
When does the AI call?
Run one campaign for each step: upload that day's list, or let your billing software send it by API.
- 5 to 7 days before the EMI dateAn early reminder with amount and debit date. The AI checks the borrower knows which bank account the NACH is linked to and records anyone who expects a shortfall.
- 1 to 2 days before the debitA last check that the account is funded. Borrowers who say they are short get a promised deposit date logged and are flagged for your team.
- After a bounced debitA polite call that the EMI did not go through, with the amount now due. The AI captures a promised pay date and the repayment link or branch details follow by SMS or WhatsApp after the call.
What do you get after every call?
Each result appears in your dashboard and is sent to your system by webhook.
- Borrower
- Loan number
- EMI amount
- Debit date
- Funds ready
- Promised date
- Outcome
- Recording
Who uses it?
See all industriesWhat do the numbers say?
EMI and loan payment reminders: common questions
Does the AI threaten or pressure borrowers?
No. The EMI template is polite and factual: it states the amount and date, asks about funds and records answers. RBI bars intimidation in recovery, and you can review every recording and transcript in the dashboard to check tone.
What time are EMI reminder calls made?
You decide when each campaign runs, and you are responsible for calling hours. RBI limits recovery calls to between 8 am and 7 pm, so most lenders keep EMI reminders inside that window too, and many add a line saying the call is recorded.
Can the AI tell borrowers their outstanding balance?
It can read out any field you send with the call, such as EMI amount, overdue amount or loan number.
What if a borrower is facing real hardship?
The AI can transfer the call to a person on your collections or customer service team, or record a callback request. Hardship cases then appear in the dashboard for your team to handle with care.
Can we use it for gold loans, two-wheeler loans and personal loans?
Yes. The same template works for any EMI product. You change the product name, amount and date fields, and set a separate campaign and language for each branch or product if you like.
Where is borrower data stored?
Call data, recordings and transcripts are stored in India. You send only the fields the call needs, such as name, number, amount and date, by sheet upload or API.
Related use cases
Hear a EMI and loan payment reminders call on your phone
Pick a use case and language, and our AI calls you. Or call our AI now on +91 79714 42373.