Every EMI Reminder, On TimeConsistent and compliant.
Collections calling is high-volume, highly repetitive and carries real regulatory risk when it goes wrong. Resonera.ai runs early-stage EMI and payment reminders across your entire book — in the borrower's own language, with the same compliant script on every single call.
Collections calling is part of Resonera.ai, the AI call operations platform for Indian SMBs & MSMEs.
Most collections value sits in the earliest bucket. A borrower reminded politely a few days before the due date, or a few days after, very often pays without any further intervention. The difficulty is coverage: pre-due and early-bucket reminders run into tens of thousands of accounts a month, and human collections teams — who are expensive and hard to retain — end up focusing on later, harder buckets while the cheap wins go uncalled.
An AI voice agent inverts that. It calls the entire early-bucket book on schedule, in the borrower's own language, stating the amount due and the date, answering routine questions about how to pay, and recording the outcome and any promise-to-pay against the account. Because concurrency is effectively unlimited, coverage stops being the constraint.
The compliance argument is just as important as the cost one. Collections calling is regulated, and the reputational and regulatory risk comes almost entirely from inconsistent human behaviour on difficult calls — pressure, abusive language, calling at prohibited hours. An AI agent says exactly what it was scripted to say, every time, within permitted calling windows, with a full transcript of every conversation. Disputes, hardship cases and anything requiring negotiation are escalated to trained human officers, where judgement belongs.
Built for collections at scale
Full early-bucket coverage
Calls every pre-due and early-bucket account on schedule — where most recoverable value actually sits.
The same compliant script, always
No pressure, no abusive language, no prohibited-hour calls. Consistency is the point, and it is auditable.
The borrower's own language
11 Indian languages, which materially improves comprehension and response in tier-2 and tier-3 markets.
Promise-to-pay captured
Records outcome and any commitment against the account, so your team sees who to chase next.
Disputes go to humans
Hardship, disputes and negotiation escalate to trained officers with full context — never handled by AI.
A fraction of the cost
From ₹5/min against ₹15,000–₹25,000 per collections caller per month, with no attrition to manage.
What it handles for a lender
- Pre-due EMI reminders across the full book, a few days before each due date.
- Early-bucket follow-ups where most recoverable value sits.
- Payment confirmation and receipt acknowledgement calls.
- Promise-to-pay capture, logged against the account for your team to action.
- Repayment-method guidance for borrowers who want to pay but are unsure how.
- Escalation to human officers the moment a call involves dispute or hardship.
AI calling for NBFCs and collections — FAQs
Is AI collections calling compliant in India?
Resonera is built for India's regulatory environment — permitted calling windows, DND scrubbing, DLT-registered templates and full transcripts of every call. In practice an AI agent is more consistently compliant than a human team, because it says exactly what it was scripted to say on every call and never escalates in tone.
Which collections stages should AI handle?
Pre-due and early-bucket reminders, where volume is highest and the conversation is simple. Later buckets, disputes, hardship cases and any negotiation should go to trained human officers — the AI escalates these rather than attempting them.
Can it capture a promise to pay?
Yes. It records the outcome and any commitment given against the account, along with a full transcript, so your team knows exactly who committed to what and when to follow up.
How does it handle an angry or distressed borrower?
It escalates. Disputes, hardship and emotionally difficult calls are transferred to a human officer with the full conversation context — these are exactly the calls where human judgement is required.
How much does it cost compared with a collections team?
From ₹5/min on a flat rate at any volume, against ₹15,000–₹25,000 per month for a single collections caller. The saving is largest precisely in early-bucket calling, which is high-volume and low-complexity.