Before the due date
A polite reminder a few days ahead, with the amount, due date and reference from your records, and the payment link on WhatsApp after the call.
AI voice agent for fee and EMI reminder calls.
Remind students, parents and borrowers of dues in their language, record the date they commit to and send the payment link on WhatsApp, inside the hours the rules allow.
What is an AI voice agent for payment reminders?
An AI agent that calls customers about a fee instalment or loan EMI that is due or overdue. It confirms it is speaking to the right person, states the amount and due date from your records, asks when they will pay and records that date, then sends the payment link on WhatsApp. Disputes and hardship cases go to your team.
For institute accounts offices, NBFCs, lenders and collection teams
Most of a reminder call is the same four sentences.
Who is calling, what is due, when it will be paid, and where the link is. A collections or accounts team spends its day on those calls and has no time left for the customers who actually need a conversation: the disputed balance, the lost job, the wrong amount.
After the due date
Asks when the customer will pay, records the exact date and mode they commit to, and calls back at a time they choose if they cannot talk now.
Already paid
Thanks the customer and records the date and transaction reference they give, so your team can reconcile instead of calling again.
Disputes and hardship
Listens, records the reason (wrong amount, extension request, job loss) and tells the customer a person from your team will call. It does not negotiate.
An EMI two days overdue
A sample outbound reminder from a lender, in mixed Hindi and English. Illustrative, not a recording of a real borrower.
Two-wheeler loan EMI reminder
Hinglish (Hindi + English) · 1m 06s
0:001m 06s
Result
Promise to pay: Friday · UPI · Payment link sent on WhatsApp
Transcript
AI voice agent
Hello, this is Sophia, an AI assistant calling from Swift Finance. This call is recorded. Am I speaking with Rahul Patil?
Borrower
Haan, bol raha hoon.
AI voice agent
Thank you. Your two-wheeler loan EMI that was due on the fifth is still showing as unpaid. When will you be able to pay it?
Borrower
Salary late aayi is baar. Friday tak kar dunga.
AI voice agent
Understood, Friday. Will you pay by UPI, or another way?
Borrower
UPI se.
AI voice agent
I have noted Friday by UPI. The payment link is coming to you on WhatsApp now. Is there anything else you need help with?
Borrower
Nahi, bas. Thank you.
Systems
Reads the dues from your system, not a spreadsheet
Each call works from the record of the person being called. The amount, due date and reference come from your contact sheet or from a live lookup, keyed to the customer’s own number.
- Upload the reminder list as Excel, with amount, due date and reference on each row
- Or look up live dues from your loan or fee system through its API during the call
- Payment link sent on WhatsApp from your approved template the moment the call ends
- Promise-to-pay date, mode and reason written back to your system by signed webhook
- Campaign results to Excel: reached, promised, paid, disputed, not reachable
Calling in India
Reminder calls are regulated calls
A reminder is a call your business places, so the outbound rules apply. Lenders also work under RBI’s fair-practice and recovery rules. These are set in the campaign, not left to memory.
- Recovery calls between 8am and 7pm
- RBI’s rules for regulated lenders and their recovery agents bar calls about overdue loans before 8:00 a.m. or after 7:00 p.m. Set the campaign’s calling window to match and the dialler stays inside it.
- The right person first
- The agent confirms it is speaking with the borrower or the fee payer before it mentions any amount, and does not discuss the account with anyone else who answers.
- No threats, no harsh words
- Its instructions follow fair-practice language: no threats, no penalties or consequences that are not in your notes, and no pressure. Every call is also reviewed for going off script.
- Service calls on the 160 series
- Reminder and service calls from regulated entities go out on registered 160-series numbers, separate from promotional calls. Register the entity and templates on DLT before the first campaign.
- No card or UPI details on the call
- The agent never asks for a card number, OTP or UPI PIN. Payment happens only through the link you send on WhatsApp.
How it works
From first workshop to a live campaign
Upload the list
An Excel sheet of who is due, how much, by when and the reference, or a live lookup to your system.
Set the window and tone
Calling hours, retries, the voicemail rule and the wording your compliance team approves.
Test it
Run simulated callers: a borrower who already paid, an angry one, one who asks for an extension.
Run the campaign
The agent calls at the hours each customer usually answers and calls back when asked.
Work the exceptions
Your team picks up disputes and hardship cases, with the reason and the call summary attached.
Hear it on your own script.
We set the demo agent up on your documents and wording, so you judge it on your calls, not a generic one.
Book a reminder-call demo
Or call +91 95525 86428
Questions
Before you put it on the phone
Is it legal to use an AI voice agent for EMI reminders in India?
Yes, when the calls follow the same rules as a person’s: DLT registration and the 160 series for service calls, RBI’s 8am to 7pm window for overdue recovery calls, no harassment, and an opening that says the caller is speaking to an AI and the call is recorded.
Can it take the payment on the call?
No. It never asks for card numbers, OTPs or UPI PINs. It sends the payment link on WhatsApp from your approved template, and your payment system records the payment.
What if the customer says they have already paid?
The agent thanks them and records the date, mode and transaction reference they give. That reaches your team by webhook or in the Excel export so the payment can be matched before anyone calls again.
What happens with voicemail and unanswered calls?
The agent recognises voicemail and either hangs up or leaves one short message, as you choose. Unanswered calls are retried with the count and gap you set, at the hours that customer usually answers.
Does it work for school and college fees too?
Yes. The same agent reminds students or parents of a fee instalment, with the student ID and amount from your records. Institutes are not under RBI’s recovery rules, but the calling window and fair-practice tone are worth keeping.
Let your team spend its day on the calls that need a person.
Tell us how many reminders you place a month, the languages and the system that holds the dues. We will run the demo on your own wording.
Book a reminder-call demo
Or call +91 95525 86428