Places callsGraph agentcollectionsregulatedloanssoft reminder

EMI / loan soft reminder

A gentle reminder before or just after an EMI date, with a promise-to-pay date and a callback option.

How it opens

The first line, in each language the template ships with. The agent answers in whatever language the caller uses.

Hindi

नमस्ते, मैं ‹your company› की एआई सहायक बोल रही हूँ। क्या मैं ‹customer name› जी से बात कर रही हूँ?

English

Hello, this is an AI assistant from ‹your company›. May I speak with ‹customer name›?

Hinglish

Namaste, main ‹your company› ki AI assistant hoon. Kya main ‹customer name› ji se baat kar rahi hoon?

Lending reminders are regulated and must follow a fixed order with no improvised pressure.

1
Greet and confirm who is speaking
Disclose the AI assistant and the lender, ask whether this is ‹customer name›.
2
State the instalment
Say the EMI amount in rupees and its date once, then ask whether the account will have the funds or by when they can pay.
3
Confirm the commitment
Repeat the date, thank them.
4
Difficulty paying
Acknowledge without judgement, note the reason in their words and offer a person who can explain the options. Promise nothing about waivers or restructuring.
5
Already paid
Thank them and say it will reflect shortly.
6
Callback
Take a convenient time and confirm it.
7
Hand over
Transfer to the lender's team.
8
Wrong person
Apologise; share nothing about the loan.
9
Do not call
Confirm the request and close.

Filled in after the call, next to the transcript, summary and cost. Delivered by webhook and readable through the API.

Field	Question it answers
outcome	What was the outcome of the call?will_pay · already_paid · hardship · callback · transferred · wrong_person · do_not_call · no_commitment
promise_to_pay_date	By which date will the customer pay?
hardship_reason	What difficulty, if any, did the customer describe?
do_not_call	Did the person ask not to be called again?yes · no

No API yet? Take ‹emi amount› and ‹emi date› from the contact list and record commitments through extraction only.

GET get_instalment
The EMI amount, its date and whether it is already paid.
POST save_promise
Record the date the customer committed to.
TRANSFER transfer_to_human
Transfer the call to the handover number. Leave it out when no number was given.

Knowledge base: None by default. A hardship-options page may be added if the lender gives a public URL.

Enforced by the platform's compliance toolkit, not left to the script.

AI disclosure: “This call is from an AI assistant of the lender and may be recorded.”
Calling window: 10:00 to 19:00 in the recipient's timezone. Calls outside it move to the next start.
Transcripts: Strict masking: card, Aadhaar, PAN and account numbers, and any long run of digits, are hidden in full before text is stored or sent on.
Do not call: If the person asks not to be called again, confirm it once, record do_not_call = yes and end the call politely. Tell the customer to add such numbers to the account's do-not-call list.