Lending & Fintech

AI calling for loan recovery

Automate EMI reminders and soft-collection calls that capture a promise-to-pay date on every connected call.

The problem

Collection teams burn hours on dials that never connect and agents who go off-script. Manual follow-up is inconsistent, compliance is hard to prove, and broken promises go untracked until the next cycle.

How Vaanicall runs it

  1. Import borrowers

    Upload your overdue-account list as a CSV — that is the production batch-import path today. Every number is automatically scrubbed against the DND registry before a single dial. A contact-ingest API endpoint is on the roadmap.

  2. AI calls in the TRAI window

    The scheduler dials only between 09:00–21:00 IST and honours the DND registry. The opening line is yours to script — and if your licence requires it, optional in-call AI-disclosure enforcement can be switched on per tenant.

  3. Capture promise-to-pay date and reason

    An extraction schema pulls the committed payment date and the stated reason (cash-flow, salary delay, dispute) from the conversation and writes them as structured fields to the contact record.

  4. Retry and callback per disposition

    No-answers re-enter the retry queue at your configured interval. A "promise given" disposition schedules a reminder call before the due date. A "broken promise" escalates to a human agent automatically.

  5. Escalate broken promises

    If a committed date passes without payment, the system raises a callback task for your collection supervisor — no manual queue monitoring required.

Hear it

Sample call — the agent opens with your brand and script

  1. AI Agent: Namaste, main Karan bol raha hoon Arthveer Finance ki taraf se. Kya main Priya Sharma ji se baat kar sakta hoon?

  2. Customer: Haan, main hi hoon. Kya hua?

  3. AI Agent: Priya ji, aapki ₹8,400 ki EMI 12 June ko due thi aur abhi pending hai. Kya aap mujhe bata sakti hain kab payment ho sakti hai?

  4. Customer: Salary thodi late aayi hai. Main 20 tarikh tak kar dungi.

  5. AI Agent: Shukriya Priya ji. Maine 20 June ki promise-to-pay note kar li hai. Kya koi aur date discuss karni hai?

  6. Customer: Nahi, 20 ko ho jaayega.

Sample transcript for illustration. Actual call content varies by contact data and agent configuration.

What you get

Compliance

Compliance

  • TRAI calling window: dials only 09:00–21:00 IST; no out-of-window leaks.
  • DND scrub: numbers on the DND registry are skipped automatically at dial time.
  • Consent record: consent action and timestamp are captured and stored in the audit log.
  • Audit log: every call action is written to an immutable append-only log.

Questions, answered

The platform enforces TRAI calling windows (09:00–21:00 IST) and skips DND-registered numbers automatically. The immutable audit log captures call time, extraction outcome, and retry action for regulator review. In-call AI-disclosure enforcement is available as an optional per-tenant setting if your licence requires it. Your organisation remains responsible for aligning messaging to any RBI-specific guidance for your licence type.

Related use cases

Make your first AI call today

Spin up an agent, import a list, and watch outcomes reconcile in real time. Free to start — pay only for talk-minutes.