Recover more. We get paid when you get paid.
Emotional voice AI that negotiates with your borrowers in their own dialect — 40+ languages, every RBI rule enforced in code.
Built for NBFCs, fintech lenders and collection agencies. Live in weeks, not quarters.
The engine behind Ravan Recovery has handled [X] minutes of live enterprise calls, including AED 20M+ in attributed sales conversations for leading UAE enterprises.
Your collections math is broken, and the rules just changed.
Your agents reach barely half your delinquent book. The rest never even hears a phone ring.
A ₹3,000 EMI can't carry the cost of a human caller. So small-ticket buckets rot.
Agent attrition means your best collector keeps quitting — and taking the skill with them.
And from July 2026, RBI's new recovery conduct rules make every non-compliant call a license-level risk: certified agents only, 8am–7pm windows, no contact with family, full audit trails.
Human-only recovery just became slower, costlier and legally radioactivein the same year AI became better at it.
An AI collector that sounds human, never breaks a rule, and never stops following up.
100% book coverage.
Every account called, every cyclepre-due to 60 DPD. No file left untouched.
Speaks like your borrower.
40+ languages and dialects with real emotional rangefirm when needed, empathetic when it matters. Borrowers tell the truth to a voice that sounds like home.
Closes in the call.
Pre-approved offer ladder (full payment → part payment → date shift → settlement), UPI link sent while the borrower is still on the line, stays on till it clears.
RBI rules as code.
Call windows, mandatory disclosures, no-harassment language, wrong-party detectionenforced by software, logged for audit, exportable in one click.
Knows when to hand over.
Hardship, disputes and high-value cases route to your human team with full transcript and context. Your collectors only touch calls that need a human.
Every bucket, worked — from pre-due to dispute.
Your borrowers aren't refusing to pay. No one reached them in time, in their language, at the right moment. The recovery is already owed — the work to collect it just doesn't scale. Agni makes every call, every cycle, across the whole delinquency curve.
Reach them before it's overdue
The highest-ROI call in collections — the one human teams never make at small-ticket volume.
- Friendly reminder 3–5 days before the EMI, in the borrower's language
- Confirm payment method and send the UPI / payment link in-call
- Detect early distress (“salary delayed”) and flag the account before it ever goes overdue
The core wedge — convert intent to payment
Right-party verification first, every time — RBI conduct, enforced in code.
- Verify the right party before disclosing anything
- State dues, due date and consequences — factually, never coercively
- Run the offer ladder: full payment → part + promise-to-pay → shift to salary day
- Capture a specific, dated commitment; send the link while on the line; auto-schedule the follow-up
Where empathy converts
Understand why — job loss vs. willful default — and route accordingly.
- Dialect-native, emotional negotiation that reads the real reason
- Present the pre-approved restructuring options the lender has authorized
- Multi-channel persistence: call → WhatsApp link → callback that remembers the last conversation
- Escalate genuine hardship and disputes to your team with the full transcript
Workflows a generalist can't fake
Lending recovery isn't one motion — each product carries its own rules.
- Gold loan: mandated overdue-interest reminders and pre-auction notices (amount, auction date) — in Malayalam, Tamil, Kannada
- Two-wheeler / auto: compliant repossession-warning calls with final settlement windows
- Microfinance: JLG group-loan coordination, vernacular-first
- Insurance: lapse-prevention and renewal calls on the same commitment engine
The honest edge that earns trust
Saying what we don't do is what makes a cynical collections head believe everything else.
- Disputes → gathered, classified, routed to your human grievance officer
- Genuine hardship → no pressure, handed to a person with full context
- 90+ DPD / legal-stage → handed to your field and legal teams. We don't overpromise on chronic default.
Agni doesn't just collect — it specializes.
Every call is labeled with the one outcome that matters: did the money arrive. Which dialect, which tone, which hour, which offer made each borrower pay. The system gets sharper with every single call — on payment-outcome data, in languages no one else has.
Copyable idea. Uncopyable dataset.
Tested against your edge cases before it ever calls a borrower.
Before Agni speaks to a single borrower, we run adversarial scenarios in staging — compliance adherence, edge cases, escalation paths. Every live call is then auto-audited. Observable, explainable, exportable. Not a black box.
Every directive mapped to a control in the RBI Compliance Pack.
Three steps to your first recovered rupee.
Connect
We integrate with your LMS/CRM and dialer stack. Read accounts, write back PTPs, dispositions and payments. [X] weeks, our engineers do the heavy lifting.
Calibrate
Your scripts, your offer ladder, your escalation rulesencoded with our collections playbook on top.
Recover
AI runs the early bucket. You watch PTP-kept, recovery rate and ₹ collected live on one dashboard, against a control group.
The path from first call to full book
Discovery
Your buckets, scripts, and baseline numbers
Build & calibrate
Agents encoded with your offer ladder
Compliance review
Your risk team verifies every control
Sprint on live book
21 days against your control group
Scale
More buckets, more languages, same dashboard
The 21-Day Recovery Sprint
Give us one early bucket5,000 to 10,000 accounts. We run it head-to-head against your current process on a held-out control group. One number decides everything: PTP-kept lift.
Beat your baseline in 21 days, or you pay nothing. Full refund. No lock-in.
Priced like a partner, not a dialer.
Per-minute vendors earn more when they dial more. We earn more only when your money arrives. That's the whole model.
- 01
One-time setupfully credited against your first recoveries.
- 02
A small monthly floor that covers the machine.
- 03
A success fee on incremental recovery, measured against your own control group.
Built for the post-July-2026 world.
Ravan Recovery ships with the RBI Compliance Packevery clause of the digital lending directions, recovery conduct rules and outsourcing directions mapped to a product control your risk team can verify. Data resident in India. [ISO 27001in progress / certified], [SOC 2 Type Iin progress / certified], CERT-In empanelled VAPT.
Straight answers.
What if the AI doesn't beat our current process?
How do you prove the recovery came from you?
Is this compliant with RBI's new recovery rules?
Which buckets does it work on?
How long to go live?
Languages?
Hear it before you believe it.
Call [DEMO PHONE NUMBER] and try to talk your way out of an EMI. Then imagine that voice on your entire early bucket, every single day.