Dignified, compliant collection calls that protect your brand and improve recovery.
Chasing overdue EMIs through aggressive manual agencies risks severe regulatory penalties and customer churn. Vision 360 executes polite, compliant reminder calls at scale, capturing promise-to-pay dates and sending instant UPI payment links.
Why Traditional Telecalling Fails in NBFC Lending & FinTech Collections
Manual call centers struggle with high attrition, inconsistent pitch quality, and missed evening leads.
- ×High default rates on DPD 1-30 buckets due to lack of timely, courteous pre-due reminders
- ×Manual telecallers violating RBI collection guidelines, leading to brand damage and legal liabilities
- ×Massive operational overhead of managing physical collection agencies with high attrition rates
- ×Poor transparency into whether collection agents actually spoke with borrowers or logged fake updates
- Strict adherence to RBI fair recovery codes, polite tonal modulation, and zero threat policy
- Strict gating to legal telecalling windows (8:00 AM to 7:00 PM IST) with automatic DND scrubbing
- Automated promise-to-pay (PTP) recording with scheduled callback reminders when payment is promised
- Instant Razorpay, Cashfree, and UPI payment link generation dispatched via WhatsApp during the call
How our AI handles real customer conversations
Notice natural pauses, polite phrasing, and sub-second bilingual understanding.
Polite Loan EMI Reminder & Promise-to-Pay Call
P02 (Compliance Guarded)
Common Questions About AI for NBFC Lending & FinTech Collections
Does the AI agent comply with RBI fair practices code for loan recovery?
Yes. Vision 360 is built specifically to adhere to RBI fair collection norms. The agent speaks courteously, never uses threatening or abusive language, identifies itself clearly, and only calls within permissible daylight hours.
What happens if a borrower disputes the loan amount on the call?
The agent acknowledges the borrower concern politely, logs the dispute reason into your loan management system, and can warm-transfer the call to a human supervisor.
Can borrowers pay directly during or immediately after the call?
Yes. While the borrower is on the call, the AI agent sends a dynamic UPI payment link via WhatsApp. The borrower can click and pay via Google Pay, PhonePe, or Paytm instantly.
Other Industries Powered by Vision 360
Patients call when they are in distress or planning urgent diagnostics. Vision 360 answers instantly 24/7, schedules doctor consultations, provides fasting instructions, and notifies patients when blood test reports are ready.
Property leads from 99acres, MagicBricks, and Meta Ads go cold within minutes. Vision 360 dials buyers immediately, qualifies budget, BHK configuration, and financing eligibility, and books weekend site visits with Google Maps links sent to WhatsApp.
During admission season, coaching institutes and colleges receive thousands of inquiries daily. Vision 360 screens student academic background, explains batch timings and scholarship criteria, and books in-person counseling sessions.
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