Dignified, compliant collection calls that actually collect.
Built specifically for NBFCs, fintech lenders, and banks. Strictly adheres to RBI fair practice guidelines and calling hours. Generates payment links and logs auditable transcripts for every interaction.
Namaste Mr. Suresh. I am calling from FinEase Capital regarding your two-wheeler loan account ending in 4108. Am I speaking with Suresh Kumar?
Haan, bol rahe hain. Kya hua?
Aapka EMI amount of ₹2,450 15th October ko due tha jo abhi tak receive nahi hua hai. Kya aaj aap UPI ke through payment complete kar sakte hain taaki late fee na lage?
Kal salary aayegi, kal subah payment kar dunga.
Theek hai Suresh ji, main aapka payment commitment kal subah 11 baje ke liye record kar rahi hoon. Main payment link aapke WhatsApp par share kar rahi hoon. Thank you!
Delinquency List Sync
Securely ingests daily overdue borrower batch from your loan management system.
Compliant Calling Window
Dials within regulatory hours with verified caller ID.
Payment Link Dispatch
If customer agrees, generates dynamic UPI/payment gateway link instantly.
Disposition Reporting
Logs PTP date, disputed claims, or refusal reason back into your LMS.
Polite Bilingual EMI Overdue Reminder
Kavita (Professional & Calm)
Key Agent Features
- Strict adherence to RBI fair recovery norms and ethical conversation rules
- Strict calling hours gating (9:00 AM to 7:00 PM IST only)
- Respectful, non-harassing tone with zero threats or emotional escalation
- Generates instant Razorpay, Cashfree, or UPI payment link dispatched to WhatsApp
- Promise-to-pay (PTP) recording with automatic scheduled callback reminders
- 100% auditable call transcripts and recordings saved for regulatory inspection
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