AI Debt Collection & EMI Reminder Calling Software in India
Scale debt recovery while maintaining 100% regulatory compliance. Vistara AI automates pre-due EMI reminders and early bucket (1–30 DPD) collections with respectful, standardized voice agents starting at ₹2.00/min.
100% RBI Fair Practices Code Compliance
Strict calling hours (8 AM to 7 PM), respectful non-harassment scripts, and full call logs.
Promise-to-Pay (PTP) Voice Tracking
Captures commitments ("Will pay by Friday") and automatically schedules reminder follow-ups.
Instant WhatsApp UPI Link Trigger
Sends dynamic BharatQR and UPI payment links during the call for instant loan clearance.
Multilingual Regional Dialect Models
Converse in Hindi, Hinglish, Marathi, Tamil, Telugu, and Kannada with local accents.
For Indian banks, NBFCs, and digital micro-lenders, manual debt collection calling presents severe challenges: high agent turnover, inconsistent customer treatment, and risk of regulatory penalties under RBI Fair Practices guidelines.
Vistara AI standardizes collections for early buckets (1–30 DPD) and pre-due accounts. The AI delivers calm, polite, and standardized reminder calls, negotiates payment dates, and dispatches instant UPI payment links—recovering loans faster at a fraction of the cost.
Where Businesses Use Vistara AI
Pre-Due Date Courtesy Reminder
Call borrowers 3 days before EMI due date to remind them to maintain sufficient account balance.
Grace Period Soft Recovery (1–15 DPD)
Follow up on bounced NACH/e-Mandates and capture updated Promise-to-Pay (PTP) commitments.
Settlement Offer Broadcasts
Notify overdue accounts of special one-time settlement (OTS) or interest waiver schemes.
Credit Card Minimum Due Reminders
Prompt cardholders to pay minimum amount due to preserve CIBIL credit scores.
Join 100+ Indian Businesses Automating Telecalling
Sub-600ms latency voice agents starting as low as ₹2.00/min. No setup fees, no subscription traps.