Voice Broadcast for Lenders: EMI Reminder Calls

Voice broadcast for banks, NBFCs and lenders

Remind borrowers about EMIs, bounced NACH mandates and gold loan renewals with a short call in their language, and see who pressed 1 before collectors start dialling.

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NBFCs and housing finance companiesMicrofinance and JLG lendersGold loan companiesCo-operative banks and credit societiesTwo-wheeler and consumer durable lenders

Voice broadcast card for an NBFC EMI reminder in Hindi with keypress options, the borrower pressing 1 for already paid

How do NBFCs use voice broadcast for EMI reminders?

NBFCs and banks use voice broadcast to place automated calls before an EMI date, after a NACH or auto-debit bounce, and before a gold loan falls due. Each call names the lender, plays the amount and date by text-to-speech and lets the borrower press a key to confirm payment or request a callback, between 8 am and 7 pm.

Updated 15 Nov 2026

Key facts: Voice broadcast for banks, NBFCs and lenders

Channel: Voice broadcast
Best for: Pre-due EMI reminder; NACH or auto-debit bounce notice; Gold loan renewal and interest due
Call types: Text-to-speech, Reminder call, Recorded message, Keypress survey
Who it suits: NBFCs and housing finance companies, Microfinance and JLG lenders, Gold loan companies, Co-operative banks and credit societies, Two-wheeler and consumer durable lenders
Rules: TRAI's numbering rules (140-series for promotional calls, 1600-series for service and transactional calls), consent, DND and calling-hour limits
Pricing model: Per pulse of answered call time. How pricing works
Lender calling hours: 8 am to 7 pm, under RBI's conduct rules for recovery calls
Integration: REST API and webhooks (call.completed, ivr.input) into your own software. Voice broadcast API

What problems does voice broadcast solve for banks, NBFCs and lenders?

Borrowers who do not read SMSMany microfinance and rural borrowers use feature phones and ignore text alerts, so the first time they hear about a missed EMI is when a field officer arrives.

Agents spend the day on routine callsTele-callers dial hundreds of pre-due accounts that would have paid anyway, leaving little time for the borrowers who actually need a conversation.

Every call carries regulatory riskRBI's fair practices guidance on calling hours, tone and privacy applies to each attempt. A rushed script or a call at 8:30 pm can turn into a complaint.

Which voice broadcast calls suit banks, NBFCs and lenders?

Text-to-speech

Pre-due EMI reminderThree days before the debit date, the borrower hears their own EMI amount, date and loan account ending digits in Hindi or English.→ Fewer first-time bounces

Reminder call

NACH or auto-debit bounce noticeA polite call the morning after a failed debit explains that the instalment is unpaid and offers press 1 if already paid, press 2 for a call from the branch.→ Faster cure of bounced accounts

Text-to-speech

Gold loan renewal and interest dueReminds the borrower that the loan tenure ends on a given date and that interest must be paid or the loan renewed at the branch.→ Fewer accounts sliding past maturity

Recorded message

Centre meeting and collection dayMicrofinance groups hear a recorded reminder of the centre meeting date and time in the local language, voiced by the branch manager.→ Better meeting attendance

Recorded message

KYC re-verification reminderAsks borrowers whose KYC is due for periodic update to visit the branch with Aadhaar and PAN, with no link to click.→ Fewer frozen accounts

Keypress survey

Payment confirmation checkAfter a cash collection, a short call asks the borrower to press 1 if they received a receipt, which helps spot collection irregularities.→ Early warning on field fraud

Ready-to-use voice broadcast scripts for banks, NBFCs and lenders

Copy, edit and use these as a starting point.

Pre-due EMI reminderText-to-speech

Namaste, this is a call from Shubh Finance for {name}. Your EMI of {amount} rupees for loan account ending {last4} is due on {due_date}. Please keep the balance in your bank account before that date. If you have already paid, press 1. To speak to your branch, press 2.

Auto-debit bounceReminder call

This message is for {name} from Shubh Finance. If you are not {name}, please press 9. Your instalment due on {due_date} could not be collected from your bank account. Please pay at the branch or through the app. Press 1 if you have paid already, or press 2 and our team will call you back today.

Gold loan maturityText-to-speech

Hello {name}, this is Shubh Gold Loans. Your gold loan account ending {last4} reaches its end date on {due_date}. Please visit the branch to pay the interest and renew, or close the loan. Press 1 to hear this message again, or press 2 to get a call from the branch.

Record the script or use text-to-speech. Keep calls under 30 seconds where you can.

How does voice broadcast work for banks, NBFCs and lenders?

Your LMS picks the accountsEach morning your loan management system lists borrowers with an EMI in three days or a debit that bounced yesterday.
Calls go out in calling hoursMsgClub plays the text-to-speech reminder with each borrower's amount and date, scheduled between 8 am and 7 pm, from the number series your category requires.
Borrowers press a keyPress 1 marks the account as claimed paid, press 2 creates a callback task, and unanswered numbers are retried after the gap you set.
Outcomes return to your LMScall.completed and ivr.input webhooks update each loan account, so collectors start the day with only the accounts that need a person.

Connect your softwareYour loan management or core banking system can push the day's due list to the MsgClub voice API and receive each keypress and call outcome by webhook against the loan account number. Voice broadcast API · API and webhooks · Pricing

ComplianceCall only between 8 am and 7 pm as RBI expects of lenders and their agents, name your company at the start, never threaten or shame, and do not reveal loan details to anyone other than the borrower. Under TRAI's numbering rules, regulated lenders place service and transactional calls from 1600-series numbers.

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

Missed call for banks, NBFCs and lendersHow do banks and NBFCs use missed call numbers?See Missed call

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 voice broadcast for banks, NBFCs and lenders

Is voice broadcast allowed for loan EMI reminders?

Yes. Reminders about an existing loan are service calls, not promotions, so they can reach borrowers who are on the DND register. Lenders must still follow RBI's guidance on calling hours, polite language and privacy, and use 1600-series numbers where TRAI's numbering rules require it for regulated entities.

What calling hours apply to NBFC reminder calls?

RBI expects lenders and their recovery agents to call borrowers only between 8 am and 7 pm. Schedule voice broadcast batches and retries inside that window, and avoid repeated attempts in a single day, which can feel like harassment even within permitted hours.

What if someone other than the borrower answers?

Start the call by asking for the borrower by name and offer a key to press if the listener is someone else, such as press 9. Keep the amount and loan details after that point, or leave them out, so you do not disclose a debt to a family member or colleague.

Can the call include each borrower's EMI amount and date?

Yes. Text-to-speech fills in the name, amount, due date and the last digits of the loan account for each borrower from your sheet or API request. Hindi and English are available, and other Indian languages can be arranged on request or covered with recorded audio.

Can voice broadcast handle a borrower who wants to negotiate?

No. A broadcast plays one message and records keypresses, so a press 2 for callback is the right way to route a borrower who needs to talk. If you want an automated call that can take a promise-to-pay date or answer questions, use MsgClub AI Voice instead.

How do keypresses reach our collection team?

Each keypress is sent to your system as an ivr.input webhook with the loan reference you passed, and the full call result follows as call.completed. Your LMS or CRM can turn press 2 into a callback task for the branch and mark press 1 for payment verification.