RBI & TRAI Compliant AI Debt Collection Voicebot for NBFCs
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 at flat ₹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 lending platforms, manual debt collection calling carries significant regulatory and operational risks: high agent turnover, inconsistent customer treatment, and 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, captures Promise-to-Pay (PTP) commitments, and dispatches instant UPI payment links—recovering loans faster at a fraction of the cost.
Configuring for RBI and TRAI Compliance
RBI expectations on recovery agent conduct apply regardless of whether the caller is human, and TRAI rules govern the communication itself. Vistara AI builds these safeguards directly into the calling engine.
- Permitted calling windows — Calls run strictly between 8:00 AM and 7:00 PM, with queued calls automatically rolling forward.
- Standardized polite script — Eliminates agent emotional escalation, aggressive language, and intimidation.
- Third-party non-disclosure — Under no circumstances is the debt discussed with family or third parties answering the phone.
- Full audit logs and recordings — Searchable call recordings and transcripts retrievable instantly for compliance reviews.