Lending use case
EMI recovery and soft collections with Voice AI
Most NBFCs spend 60 to 70 percent of their collections capacity on day zero to day fifteen accounts. Vrikshavoice agents handle the entire soft collections funnel in vernacular Indian languages with the empathy and structure your compliance team requires.
+42%
Day 7 EMI recovery rate
8x
Throughput per collections FTE
₹38
Cost saved per recovered case
The playbook
How emi recovery and soft collections works on Vrikshavoice
- 1Day -3 reminder call with payment link via WhatsApp
- 2Day 0 due date call with EMI confirmation
- 3Day +3 missed payment soft follow up
- 4Day +7 promise to pay capture
- 5Day +15 escalation to human collections agent
Sample call
Lending
Hi Anita, this is Mira from Greenleaf Loans about your EMI of ₹12,400 due tomorrow.
I will pay by Friday.
Noted, I will set a reminder for Friday morning. Should I send the payment link on WhatsApp?
Built for Lending and NBFCs
DPDP compliant call recording and consent capture
12 plus Indian languages including Hinglish and Tanglish
Hot transfer to live agents on intent detection
Audit ready logs for RBI inspections
Common questions
FAQ on emi recovery and soft collections
Yes. Vrikshavoice agents follow RBI Fair Practices Code, including allowed call windows, consent capture, and language preference. Full call recordings and transcripts are retained for the regulatory minimum.
See emi recovery and soft collections in action
Book a 30 minute demo. We will run a live lending script and show the dashboard your team would use.
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