Use case · Collections & EMI

Run controlled collections and reminder workflows at scale.

Agni helps lending and finance teams automate EMI reminders and follow-up calls — with RBI-aligned call windows, retry logic, structured dispositions, and a complete auditable record of every conversation.

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30+ Indian languages<300msRBI-aligned call windowsDND/NCPR scrubbing

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How it works

From contact book to auditable outcome.

A collections campaign on Agni is a controlled workflow: scrubbed lists in, structured dispositions out, and a recorded trail in between.

1
Load and scrub your book
Import contacts by CSV, REST API, or CRM sync. Every list is scrubbed against DND/NCPR registries before a single dial goes out.
2
Set the rules of engagement
Configure calling windows, retry counts and spacing, caller IDs, and language per borrower segment. Your compliance policy becomes campaign configuration.
3
Agni calls — firmly, and with empathy
The agent states dues clearly, listens to the borrower's situation, and adjusts tone across 30+ Indian languages with native Hinglish. Hardship gets flagged, not bulldozed.
4
Capture the promise
Promise-to-pay dates and amounts, payment-link delivery, partial-payment commitments, and dispute flags are recorded as structured dispositions on every call.
5
Escalate and sync
Disputes and hardship cases hand off to your human team with full context. Outcomes, recordings, and transcripts flow into your LMS or CRM through webhooks and APIs.

Platform capabilities

Everything a collections operation needs on every call.

Each capability maps to a real platform feature — campaign controls, dispositions, analytics, and human handoff — not a roadmap slide.

RBI-aligned call windows

Contact-hour rules are enforced on every campaign. Calls fire only inside the windows your compliance team approves — automatically, every time.

Retry controls

Cap attempts per day and per cycle, space retries, and stop instantly when a borrower asks. Calling discipline becomes configuration, not training.

Disposition tracking

Every call ends in a structured outcome: promise-to-pay, partial payment, dispute, callback requested, wrong number, or no contact.

Empathetic multilingual conversations

Borrowers hear their own language — 30+ Indian languages, Hinglish native — from an agent that listens before it asks and adjusts tone to the conversation.

Payment-promise capture

Promise dates and amounts become structured data, with follow-up calls scheduled automatically against each commitment.

Human escalation

Hardship, disputes, and sensitive situations transfer to your team with the transcript and context attached — never a cold restart.

Market benchmarks

What AI-led collections programs report across India.

Published industry results — cited as market benchmarks, not Agni performance claims. Your numbers depend on your book, your policy, and your workflow.

₹20.03 Cr/moRecovered monthly by an NBFC collections program running AI-led calling, at a 63% collection rate.Source: Published Indian AI-collections industry studies, 2024–25

40–60%Reduction in collections opex reported by lenders moving reminder and follow-up calls to AI.Source: Published Indian AI-collections industry studies, 2024–25

~25%Recovery lift attributed to empathetic, multilingual voice AI versus scripted dialer calls.Source: Indian collections industry benchmarks, 2024–25

₹85 lakh/moEstimated impact of a one-percentage-point gain in right-party contact on a mid-size NBFC book.Source: Indian collections industry benchmarks, 2024–25

Compliance, by design

Built for the RBI-era collections playbook.

RBI's Digital Lending Directions make regulated entities accountable for the conduct of every recovery agent — including AI. Contact-hour rules, conduct standards, and borrower protections now sit with the lender, not the vendor.

Agni treats that as a product requirement. Your compliance team sets the policy; the platform enforces it on every dial — and records the evidence.

Visit the Trust Center

DND/NCPR scrubbingContact lists are scrubbed against the national registry before every campaign runs.

Calling-window enforcementCampaigns dial only inside the contact hours your compliance team configures.

Consent loggingConsent events are captured and stored against every contact in the book.

Recordings & audit trailsEvery conversation is recorded, transcribed, and retrievable for review or audit.

Retry caps & stop-calling honorAttempt limits are enforced; a stop-calling request halts outreach and is recorded.

DPDP-era consent designConsent workflows designed for the DPDP Act's notice and withdrawal requirements.

FAQ

Collections questions, answered straight.

Is Agni RBI compliant?

Compliance belongs to the lender's program, not to a vendor checkbox — and RBI's Digital Lending Directions make regulated entities accountable for agent conduct, including AI. What Agni provides is the workflow controls that accountability requires: calling-window enforcement, retry caps, consent logs, and complete recordings with audit trails. Your compliance team defines the policy; Agni executes it and documents the evidence.

Which languages can collections calls run in?

30+ Indian languages with native Hinglish handling and 100+ accents & dialects. Language is set per borrower segment, so a Pune book and a Patna book each hear a natural conversation — not a script read in the wrong accent.

What happens when a borrower disputes a due or reports hardship?

The agent stops collection pressure, flags the call, and routes the case to your human team with the transcript and a structured disposition. Nothing gets buried — every flag appears in the call record and reaches your CRM through webhooks.

How do outcomes reach our LMS or CRM?

Through after-call webhooks and REST APIs: structured dispositions, promise-to-pay dates and amounts, recordings, transcripts, and summaries. GoHighLevel is supported natively, and any system with an API can consume the webhook payload.

Keep exploring

Related workflows and resources.

BFSI & NBFCHow banks, NBFCs, and fintechs deploy voice AI across the lending lifecycle.Outbound campaignsDispatch rules, call windows, retries, concurrency, and campaign monitoring.ROI calculatorModel your collections calling costs against AI economics in INR.Appointment schedulingConfirmation and reminder calls that cut no-shows.Feedback & CSATVoice surveys that capture ratings, sentiment, and the reasons behind them.PricingPlans from ₹2,999/month, with ₹7/min at Enterprise volume.

Bring auditable AI calling to your collections book.

See a live collections workflow — call windows, retries, dispositions, and escalation — shaped around your own book and policy.

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