Template · Call script

EMI reminder script that pays before the due date

Nudge borrowers T-3 and T-1 with a clear, friendly reminder — amount, due date, and payment link on the same call. Transactional, TRAI-compliant, no collection pressure.

Deploy this script on SvaraCallAll templates
  • T-3 / T-1
  • Payment link SMS
  • Transactional
  • Multilingual

−19%

Delinquency drop in 90-day reminder pilots

67%

Borrowers confirm payment date on call

13

Script turns with disclosure

₹8

Typical cost per connected reminder

Problem

Why teams need a structured script

Borrowers forget EMIs until they are overdue — then collection costs spike. SMS reminders get ignored; manual reminder calls do not scale.

Today

What goes wrong without a script

  1. 1SMS sent — no open, no action.
  2. 2Call center tries pre-due reminders but prioritizes overdue.
  3. 3Amount and due date not always stated clearly.
  4. 4No payment link on the same touchpoint.
  5. 5Inconsistent opt-out handling.

With SvaraCall

How SvaraCall runs this script

  1. 1Pull pre-due list T-3 and T-1 from LMS.
  2. 2Agent states lender name, recording disclosure, and EMI details.
  3. 3Confirm payment plan or send payment link via SMS.
  4. 4Capture opt-out for non-essential follow-ups.
  5. 5Log disposition back to LMS.

Script advantages on AI voice

  • Prevent delinquency

    Friendly pre-due nudge reduces first-day bounce.

  • Payment link on call

    Borrower pays immediately via SMS link while on phone.

  • Scale without agents

    Thousands of reminders nightly without adding headcount.

  • Transactional compliance

    DLT service templates for existing borrower relationships.

Operational outcomes

DPD shift in 90-day pilot
−19%

DPD shift in 90-day pilot

ROI vs cost of early-stage collection
6:1

ROI vs cost of early-stage collection

Harassment complaints when tone stays service-oriented
0

Harassment complaints when tone stays service-oriented

Disposition codes

CodeMeaningNext action
CONFWill pay on timeSend link; no further action
LINKRequested payment linkSMS link sent; log timestamp
LATEWill pay after due dateFlag for soft collection path
PAIDAlready paidVerify LMS; close reminder
OPT_OUTStop reminder callsSuppress per DLT and policy

Full EMI reminder script (Hindi)

Agent: Namaste, main ABC Finance se Priya bol rahi hoon — aapke loan ki EMI reminder ke liye. Yeh call record ho sakti hai. Ek minute mil sakta hai?
Customer: Haan, boliye.
Agent: Aapki agle hafte 8 tarikh ko ₹8,750 ki EMI due hai. Kya aap time par pay kar paayenge?
Customer: Haan, salary aa jaayegi tab.
Agent: Bahut achha. Main abhi SMS mein payment link bhej deti hoon — UPI se bhi kar sakte hain.
Customer: Link bhej do.
Agent: Bhej diya. Agar aap future reminder calls nahi chahte, abhi keh dijiye — hum band kar denge.
Customer: Nahi, reminders theek hain.
Agent: Dhanyavaad. Koi sawaal ho to customer care par call kijiye. Namaste.

Deploy in four steps

  1. Step 1

    Connect LMS

    Sync pre-due accounts with amount and date fields.

  2. Step 2

    Set reminder windows

    T-3 morning and T-1 evening — configurable.

  3. Step 3

    Payment link integration

    Trigger SMS link on confirm or request.

  4. Step 4

    Measure DPD delta

    Compare 30/60 DPD rates pre and post pilot.

Related resources

EMI Reminder Script FAQs

Is this different from collection calls?
Yes — this is pre-due service reminder tone, not overdue collection. Use the collection script for DPD buckets.
TRAI template type?
Transactional service template for existing borrowers with prior consent.
Can it quote new interest rates?
No — state only account-specific due amount and date from LMS. Rate changes need human or approved notice.
Does it collect card data?
No — payment via secure link only. Never capture OTP or card numbers on voice.
Opt-out impact?
Opt-out stops reminder calls; mandatory regulatory notices may still apply per your compliance policy.

Prevent delinquency with pre-due reminders

Run this EMI reminder script T-3 and T-1 on a pilot cohort and measure DPD shift.

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