For · NBFCs

AI voice agents for NBFCs

NBFCs and microfinance lenders scale portfolio outreach for EMI dues, soft collections, and application document chase — in Telugu, Hindi, and English — with recorded calls and PTP capture on DLT lines.

Book an NBFC pilotAll niches
  • EMI reminders
  • Soft collections
  • App nurture
  • KYC refresh

−27%

DPD 1–30 roll rate in reminder pilots

83%

PTP capture rate on connected soft calls

+19%

Application doc completion after chase

100%

Call recording with disclosure

Problem

Portfolio growth outpaces collection desks

NBFCs lending across Bharat serve borrowers who prefer voice over app notifications. Field agents cannot visit every DPD-1 account. Application pipelines stall when salary slips and bank statements never arrive. Manual telecallers burn out on repetitive EMI scripts.

Today

NBFC outreach today

  1. 1EMI due SMS ignored — bounce hits before human call.
  2. 2Collections team starts at DPD-15 — relationship already strained.
  3. 3Loan application pending docs sit 20+ days untouched.
  4. 4KYC refresh campaign is one email blast per quarter.
  5. 5No consistent Telugu/Hindi script across franchise partners.

With SvaraCall

NBFC AI workflows

  1. 1Pre-due EMI reminder 3 days and 1 day before with UPI/link options.
  2. 2Soft collections at DPD 1–7 captures promise-to-pay date and amount.
  3. 3Application nurture chases specific pending documents with upload link.
  4. 4KYC refresh explains re-verification steps and branch/digital options.
  5. 5All outcomes sync to LMS with recording URL for audit.

NBFC outcomes

  • Lower early delinquency

    Gentle pre-due reminders reduce bounce before bureau impact.

  • Scalable soft collections

    Parallel dial on DPD buckets without hiring seasonal teams.

  • Faster disbursal

    Doc chase unblocks files in credit ops queue.

  • Partner consistency

    Same compliant script whether Mumbai HQ or Vijayawada franchise.

NBFC economics (illustrative)

Recovered EMI value from 30-day soft-call pilot
₹1.2Cr

Recovered EMI value from 30-day soft-call pilot

Application drop-off after sanction
−22%

Application drop-off after sanction

Cost per connected EMI reminder
₹30

Cost per connected EMI reminder

Pre-due EMI reminder (Hindi)

Agent: Namaste, main ABC Finance se bol rahi hoon. Aapka EMI kal due hai — ₹8,450. Payment link bhej doon?
Borrower: Haan, kal subah kar dunga UPI se.
Agent: Dhanyavaad. Kal 12 baje tak expect karenge — agar issue ho to is number par call kijiye. Yeh call record ho rahi hai.

NBFC rollout

  1. Step 1

    LMS integration

    Secure export or API for dues, applications, and KYC status.

  2. Step 2

    Script compliance

    Legal review of disclosure, tone, and escalation boundaries.

  3. Step 3

    Pilot one product

    Personal loan EMI reminders on 5,000 accounts.

  4. Step 4

    Expand buckets

    Add soft collections and application nurture post-audit.

Related for NBFCs

NBFC FAQs

Does SvaraCall handle RBI fair practice tone?
Scripts are configurable — no threats, harassment, or misrepresentation; recordings available for audit.
Can field agents see PTP captured on AI calls?
Outcomes sync to LMS with date, amount, and recording link.
How is borrower consent managed?
Loan agreement consent plus DLT template; opt-out honored immediately.
Does AI negotiate settlement amounts?
No — captures intent and PTP; human agent handles negotiation on transfer.
Regional language for microfinance portfolios?
Telugu, Hindi, and English with glossary control for financial terms.

Reduce early delinquency with scalable reminders

Pilot pre-due EMI reminders on 5,000 accounts — compare bounce rate to your SMS-only baseline.

Book a pilotAll niches

Hear it call.

We'll place a live SvaraCall to your own phone, in Telugu, Hindi, or English.

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