Use case · Lending ops

EMI reminders before the bounce hits

NACH failures are expensive. SvaraCall AI calls borrowers 2–3 days before EMI due date — confirms balance, sends payment link, and logs intent so collections teams focus on real risk.

Reduce EMI bouncesAll use cases
  • Pre-due nudge
  • NACH backup
  • UPI link
  • Bounce prevention

−22%

NACH bounce rate in 60-day NBFC pilots

51%

Borrowers who pay after pre-due voice nudge

T-3

Optimal reminder window before due date

₹9

Average cost per prevented bounce vs ₹350 penalty + ops

Problem

Bounces are predictable — and preventable

Most EMI failures in India are liquidity timing issues, not wilful default. SMS reminders get ignored; borrowers forget until the debit fails. Each bounce triggers penalty, manual follow-up, and portfolio quality drag.

Today

Why bounces keep happening

  1. 1SMS sent T-1 — no balance check conversation.
  2. 2Borrower assumes salary will credit — doesn't maintain buffer.
  3. 3NACH fails; collections team dials 5 days later — relationship already strained.
  4. 4No vernacular outreach for rural and semi-urban borrowers.
  5. 5Repeat bouncers not flagged for early intervention.

With SvaraCall

Pre-due EMI workflow

  1. 1Pull EMI schedule T-3 days before debit date.
  2. 2Agent confirms amount, due date, and account balance awareness.
  3. 3Offers UPI or net-banking link for manual pay if NACH balance low.
  4. 4Captures promise-to-pay or hardship signal for restructuring route.
  5. 5Success suppresses collection dial; bounce triggers recovery sequence.

Portfolio health gains

  • Lower bounce rate

    Proactive voice beats passive SMS for salaried borrower segments.

  • Cheaper than post-bounce

    Prevent ₹350+ penalty cycles with a ₹9 reminder call.

  • Early hardship flag

    Capture 'salary delayed' before NPA trajectory starts.

  • Regional language

    Telugu and Hindi for microfinance and gold-loan portfolios.

EMI reminder ROI

Penalty + ops savings on 5K-loan monthly book
₹18L

Penalty + ops savings on 5K-loan monthly book

Bounce rate vs SMS-only cohort
−22%

Bounce rate vs SMS-only cohort

Portfolio yield improvement from fewer delays
+0.4%

Portfolio yield improvement from fewer delays

EMI reminder (Hinglish)

Agent: Namaste, XYZ Finance se — aapka ₹6,500 ka EMI parso debit hoga. Account mein balance hai?
Customer: Abhi nahi, salary kal aayegi.
Agent: Kal credit hone ke baad maintain kijiye — warna bounce charge lag sakta hai. Link bhej du manual pay ke liye?
Customer: Haan bhej do.
Agent: Link SMS par — kal confirm kar lena. Dhanyavaad.

EMI reminder rollout

  1. Step 1

    Tape sync

    Nightly EMI schedule with borrower language preference.

  2. Step 2

    T-3 cadence

    Call window aligned to salary credit patterns in your segment.

  3. Step 3

    Payment rails

    UPI deep link + optional partial pay for tight months.

  4. Step 4

    Bounce bridge

    Failed NACH auto-enrolls in soft collection script.

Lending workflows

EMI reminder FAQs

When should EMI reminder calls go out?
T-3 days before debit performs best for salaried segments; T-1 SMS as backup optional.
Can borrowers pay partial EMI on call?
If your policy allows, agent sends partial-pay link and logs arrangement.
Does this work for gold loans and LAP?
Yes — any fixed EMI product with schedule data and consented contact.
TRAI compliance for loan reminders?
Transactional DLT templates for existing borrower relationships with opt-out honored.
Integration with LMS platforms?
Webhook and SFTP ingest from common Indian LMS and core banking middleware.

Prevent bounces with pre-due voice nudges

Pilot T-3 reminders on one EMI cohort — compare bounce rate to your control group.

Book a pilotAll use cases

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