Missed call for banks, NBFCs and lenders

Missed call service for banks, NBFCs and lenders

Let borrowers check an EMI due date or ask for a loan with one free call from their registered mobile, and reply in seconds without a branch visit.

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NBFCs offering personal, gold or two-wheeler loansMicrofinance institutions with rural borrowersCo-operative and small finance banksHousing finance companiesLoan DSAs and connectors

Phone showing a missed call to a lender's EMI enquiry number followed by an SMS with the EMI amount, due date and masked loan account number

How do banks and NBFCs use missed call numbers?

Banks and NBFCs publish missed call numbers for two jobs: self-service enquiries, where a call from the registered mobile triggers an SMS with the account balance, EMI due date or loan outstanding, and loan enquiries, where a call from an ad or branch poster creates a lead that a loan officer calls back within RBI's permitted hours.

Updated 15 Nov 2026

Key facts: Missed call for banks, NBFCs and lenders

Channel: Missed call service
Best for: EMI and outstanding enquiry; Loan enquiry from ads; Callback by a loan officer
Responses: Auto-reply SMS, Lead to CRM, Callback, Auto-reply WhatsApp
Who it suits: NBFCs offering personal, gold or two-wheeler loans, Microfinance institutions with rural borrowers, Co-operative and small finance banks, Housing finance companies, Loan DSAs and connectors
Cost to caller: Free: the call disconnects before it is answered
Pricing model: Number rental plus SMS or WhatsApp replies. How pricing works
Integration: REST API and webhooks (call.missed, message.delivered) into your own software. Missed call API

What problems does a missed call service solve for banks, NBFCs and lenders?

Borrowers call the branch for one numberMost inbound calls ask the same thing: how much is due and by when. Each one ties up a branch executive for five minutes.

Feature-phone borrowers left outMicrofinance and gold loan customers in smaller towns often have no app login, so self-service has to work on any handset without data.

Loan leads from print ads go coldA newspaper ad for a gold loan gets calls at odd hours, and by the time someone calls back the borrower has gone to the pawnbroker next door.

What can banks, NBFCs and lenders do with a missed call number?

Auto-reply SMS

EMI and outstanding enquiryA call from the registered mobile returns the next EMI amount, due date and overdue balance by service SMS (transactional if you are a bank), with the loan number masked.→ Fewer branch calls

Lead to CRM

Loan enquiry from adsA separate number for each product ad (gold loan, two-wheeler, LAP) creates a tagged lead in your loan origination system through the call.missed webhook.→ Leads by product and source

Callback

Callback by a loan officerNew leads are routed to the officer for the caller's pin code or telecom circle, who calls back between 8 am and 7 pm.→ Faster first contact

Callback

AI qualification callFor high-volume campaigns, an AI Voice agent calls back to ask loan amount, purpose, income type and city, then hands eligible borrowers to sales.→ Officers spend time on eligible borrowers

Auto-reply WhatsApp

Document checklist on WhatsAppCallers who have WhatsApp receive the KYC and income document list for the loan they asked about, so the first meeting is not wasted.→ Complete files at first visit

Ready-to-use missed call auto-replies for banks, NBFCs and lenders

Copy, edit and use these as a starting point.

EMI due enquiry replyAuto-reply SMS

Dear Customer, EMI of Rs {#var#} for loan a/c XX{#var#} is due on {#var#}. Overdue: Rs {#var#}. Pay via {#var#}. Ignore if already paid. -{#var#}

Loan enquiry acknowledgementAuto-reply SMS

Thank you for your interest in {#var#}. Our loan officer will call you between 8 am and 7 pm. Documents needed: {#var#}. -{#var#}

Number not registeredAuto-reply SMS

We could not find a loan linked to this mobile number. Please call from your registered number or visit your branch. -{#var#}

Auto-replies go out by SMS (DLT template needed) or WhatsApp (approved template needed).

How does a missed call service work for banks, NBFCs and lenders?

Borrower calls from the registered numberThe number is printed on the loan card, welcome letter and branch notice board. The call is cut after a ring.
Your system looks up the callerThe call.missed webhook carries the caller's number; your loan management system finds the active loan.
The reply goes outYour system sends the due amount through the SMS API on a DLT service implicit template (transactional for banks), or a not-registered message.
Leads and repeat callers are flaggedCallers on the loan enquiry number become leads; borrowers who call often before a due date can be flagged for a reminder.

Connect your softwareYour loan management or core banking system receives each call.missed event, matches the caller to a loan account and sends the reply through the MsgClub SMS API; loan enquiry leads go to your LOS or any CRM that accepts a webhook. Missed call API · API and webhooks · Pricing

ComplianceSend account details only to the registered mobile and mask loan numbers. Collection calls must stay within RBI's 8 am to 7 pm window, sales callbacks are best kept to the same hours, and recovery follow-ups must follow your fair practices code. For WhatsApp replies, print 'details on WhatsApp' beside the number so callers have agreed to it, as Meta's opt-in policy requires.

Which other channels suit banks, NBFCs and lenders?

Use them together from one account, with shared contacts, reports and webhooks.

SMS for banks, NBFCs and lendersHow do NBFCs and lenders use SMS?See SMS

WhatsApp for banks, NBFCs and lendersHow do NBFCs use WhatsApp for EMI reminders?See WhatsApp

RCS for banks, NBFCs and lendersHow do NBFCs and lenders use RCS messaging?See RCS

IVR for banks, NBFCs and lendersHow do NBFCs and lenders use IVR?See IVR

Voice broadcast for banks, NBFCs and lendersHow do NBFCs use voice broadcast for EMI reminders?See Voice broadcast

AI calling for banks, NBFCs and lendersTwo-way AI agents that talk to callers in Hindi, English and other Indian languages, unlike a recorded message.See AI Voice

Compare every channel for banks, NBFCs and lenders

Questions about missed call service for banks, NBFCs and lenders

How does a missed call balance or EMI enquiry work?

The borrower calls a published number from the mobile registered with the lender. The call is cut automatically, your system matches the number to the loan account and sends an SMS with the due amount and date. Calls from unknown numbers get a polite message asking them to use the registered mobile.

Is it safe to send loan details on SMS after a missed call?

It is reasonably safe if you only reply to the registered mobile, mask the account number and send amounts and dates, not full statements. Anyone who has the phone can see the SMS, so do not include KYC details, full account numbers or anything that could be used to impersonate the borrower.

What SMS template category does an EMI enquiry reply use?

An EMI or outstanding reply sent to your own borrower is registered as service implicit on DLT by NBFCs; only banks use the transactional category. Either way it goes under your registered header. Loan offers sent later to the same caller are promotional and must follow the 10 am to 9 pm window and DND rules.

Can we call back loan leads at any time?

Keep to daytime hours. RBI's 8 am to 7 pm limit is written for recovery calls to borrowers, and most lenders apply the same window to sales callbacks; a callback the caller asked for should also come from a number that meets TRAI's numbering rules. Leads from late-night missed calls should get the auto-reply immediately and a callback the next morning.

Can microfinance borrowers on feature phones use this?

Yes. A missed call and an SMS reply work on any handset without data or an app, which suits microfinance and gold loan customers. You can register the reply template in Hindi or a regional language so borrowers can read the amount and due date.

Can an AI agent call back loan enquiry leads?

Yes. Your CRM can trigger an MsgClub AI Voice call after the missed call, asking loan amount, purpose and employment type in the caller's language within permitted hours. Eligible borrowers are handed to a loan officer with the call summary; the rest get the document list.