Remind borrowers before a missed EMI becomes a harder conversation.
The agent handles pre-approval nudges, document reminders and early-stage soft reminders only. It never handles late-stage or hardship collections, and sensitive cases go to a human.
Scripted demo: ask which documents you need. The agent is an AI.
- Consent
- Monthly income
- Existing EMI
- Documents
The memory card fills as the agent learns. The same record follows the customer to WhatsApp, email and chat.
What goes wrong today
Reminders go out by SMS and nobody follows up until the payment is already late. By then the conversation is harder for everyone.
What it costs
Early misses that nobody handles grow into delinquency.
What the agent does, call by call
The call itself, then everything that happens the moment it ends: WhatsApp, the customer record and the next step.
Product states shown are demo data. Your own questions, rules and templates are set up with you.
EMI reminder window · Demo Finance
- Kabir says it is an AI and reminds the amount and date
- Payment link on WhatsApp
- Hardship mentioned → handed to your team
Trigger
Due date approaching
Your system or CRM triggers the reminder before the due date.
Before the call
Checked before the call
Calling hours, DND, consent and frequency limits are checked before the agent dials.
On the call
Reminder call
The agent says it is an AI, reminds the borrower of the amount and date, and asks if they need anything.
WhatsApp
Payment link on WhatsApp
A template with the payment link, sent after the call.
Your team
Sensitive case to a human
Hardship, disputes or distress are handed to your team with the conversation.
After the call
Stops at early stage
Reminders run up to roughly the first 30 days overdue, never beyond.
What our agent will and will not do
The agent handles pre-approval nudges, document reminders and early-stage soft reminders only (roughly the first 30 days overdue). It never handles late-stage or hardship collections. It respects DND, calling hours and consent. Sensitive cases go to a human.
What our agent will do
- Pre-approval nudges.
- Document reminders.
- Early-stage soft reminders, roughly the first 30 days overdue.
- Respect DND, calling hours and consent on every call.
What our agent will not do
- Late-stage collections.
- Hardship collections.
- Handle sensitive cases. They go to a human.
[Pending legal review]Wording to be confirmed before launch.
Hear how the call sounds
A recorded call for this job is being added. Until then, talk to the agent yourself.
Recorded call
[Recorded eMI reminders and soft collections call to be added]
A consent-cleared recording with its full transcript will appear here.
What to measure
We don't promise percentages. These are the numbers to track in your own reports once the agent is live.
- On-time payments among reminded borrowers
- Payments made within the early window
- Cases handed to your team, by reason
Put your own numbers in
Your volume, your costs, your response time. The formula is shown and every assumption can be edited.
EMI reminders: what's at risk
Example inputs, per month. Use your own.
Value of applications that drop off. About ₹5.76 Cr a year.
Recovering 25% of it is worth ₹12,00,000 a month.
Assumes you recover 25%. These are examples, not benchmarks; change them in the full calculator.
EMI reminders questions
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