Bulk campaign or voice broadcast
Collections and Recovery Calls with an AI Voice Agent
A voice bot for debt collection phones borrowers whose EMI or invoice is overdue, reminds them of the amount and due date, listens to the reason and records a promise-to-pay with a date. Outpero runs it as a bulk campaign in Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam or English, inside calling windows you set. It reminds and records; it does not threaten, argue or give legal advice.
* Time from the lead reaching Outpero to the first ring, under normal conditions. It depends on how quickly your lead source delivers the lead.
At a glance
Collections and Recovery Calls with an AI Voice Agent: the short version
| How it works here | |
|---|---|
| How it starts | Works through a list you upload or schedule |
| Languages | Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam and English |
| It captures | Right-person confirmation, Promise-to-pay date, Promised amount (full or part), Reason for delay |
| You measure it by | promise-to-pay rate and share of promises kept |
| Cost | No setup fee · from ₹5/min · number ₹649/month · Prices exclude 18% GST |
Why collections and recovery calls breaks when people do it
Collection calls are the most conduct-sensitive calls a lender or business makes. RBI's fair practices guidance for recovery expects calls at reasonable hours, a courteous tone and no harassment, yet a stretched human team under month-end pressure drifts towards repeated calls and raised voices, which creates complaints and reputational risk. The same team also spends most of its day on borrowers who simply forgot and would have paid after one polite reminder, while the genuinely difficult accounts wait. Records of what was actually said are patchy, so disputes become one person's word against another's.
Step by step
How it works
- 01Upload the overdue list with name, number, amount due, due date and preferred language, or send accounts from your loan system through a webhook.
- 02Set the calling window inside RBI recovery-call conduct, roughly 8 am to 7 pm, and a cap on attempts per account per week.
- 03The agent confirms it is speaking to the right person, states the amount and due date in a calm tone and asks whether payment is on its way.
- 04It records the reason for delay and a promise-to-pay date, or offers to connect the borrower to your recovery team through call transfer when they ask for a person or dispute the amount.
- 05Every call is recorded and transcribed, and the outcome, promised date and reason reach your dashboard and webhook so your team follows up only on broken promises.
Hear how a call goes
A sample collections and recovery calls call
A small finance company's reminder call at 2 pm to a borrower whose EMI is a few days overdue. · Runs in Hindi with English words such as 'EMI' and 'recovery team'; shown here in English.
- Outpero AIHello, this is an AI assistant calling on behalf of Sri Lakshmi Finance. Am I speaking with Suresh Patil?
- CallerYes, I am Suresh. What is this about?
- Outpero AIThank you, Suresh ji. This call is about your loan account ending 4471. Is it a good time for a one-minute call?
- CallerYes, tell me. It is about the EMI, right?
- Outpero AIYes. The EMI of ₹4,200 that was due on the 5th is still showing as pending. Do you expect to be able to pay it this week?
- CallerMy shop's payment got delayed. I can pay ₹2,000 on Saturday, and the rest next month.
- Outpero AIThank you for telling me. I will note Saturday the 17th and ₹2,000. I cannot approve a part-payment arrangement myself. Would you like our recovery team to call you to agree on it?
- CallerYes, but not before 11 tomorrow. I will be at the market.
- Outpero AINoted, a call from the team tomorrow after 11 in the morning. You can pay through your usual app or at the branch. Sorry to take your time, Suresh ji. Have a good day.
- CallerOkay, thank you.
Captured: right person confirmed, reason for delay (shop payment delayed), a stated intention to pay ₹2,000 on Saturday the 17th, no dispute, and a request for a human callback after 11 am the next day. The call is recorded and transcribed. The agent only reminded and recorded; it did not negotiate, threaten or discuss the account with anyone else.
An example written to show the shape of the call, not a recording or a customer result.
What it captures on every call
Measured on: promise-to-pay rate and share of promises kept.
Connect it
How the trigger reaches Outpero
| Where it comes from | How it gets to the agent |
|---|---|
| Loan management system | Export the overdue accounts with name, number, amount, due date and language as a CSV, or post each account to a webhook from the system. |
| Collections spreadsheet | The team keeps overdue accounts in a Google Sheet, and the agent reads the amount and date from it at call time. |
| Promise-to-pay back to your system | Every call result with the promised date and amount goes to your webhook so your system can mark which promises to watch. |
| Call transfer to the recovery team | When the borrower asks for a person or disputes the amount, the call can be transferred to your own recovery staff. |
| DND and consent list | Remove borrowers who have asked not to be called from the CSV before upload, because the campaign cannot know about requests made elsewhere. |
Results go back out the same way: a webhook you provide, or a live spreadsheet or API call mid-call. WhatsApp messages and calendar bookings are opt-in per employee.
Opening line
How it opens the call
नमस्ते सुरेश जी, मैं Sri Lakshmi Finance की तरफ़ से बोल रही हूँ। आपकी EMI ₹4,200, 5 तारीख़ को due थी — क्या यह payment इस हफ़्ते हो पाएगी?
“Hello Suresh ji, I am calling on behalf of Sri Lakshmi Finance. Your EMI of ₹4,200 was due on the 5th. Will the payment be possible this week?”
The same call runs in Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam and English.
Price it
What collections and recovery calls would cost you
Estimate: collections and recovery calls
Defaults are an example for overdue reminder calls, not a promise. Change any number to match your business.
Calls that actually connect — unanswered calls are not billed.
1 channel is included with your number; each extra is ₹649/month.
- Talk time per month
- 7,800 min
- Calling (₹5/min)
- ₹39,000
- Number + 2 channels
- ₹1,298
- Subtotal
- ₹40,298
- GST (18%)
- ₹7,254
About ₹13 per connected call before GST.
Run it well
What to track — and what goes wrong
| Track | How to read it |
|---|---|
| Right-person confirmation rate | A low rate suggests wrong or outdated numbers in the list, which is a data problem to fix before changing the script. |
| Promises made and promises kept | Compare promised dates with payments received in your own system, and track which reasons for delay lead to broken promises. |
| Disputes and human-callback requests | A rising number of disputes usually points to an account error on your side, so check these records first. |
| Complaints about the calls | Read the recordings behind any borrower complaint, and tighten the calling window or attempt cap if the tone or frequency was the issue. |
- !Calling outside the permitted hours or too many times a week, which breaks the RBI recovery-call conduct you have promised to follow.
- !Letting the script mention the debt when someone other than the borrower picks up.
- !Having the agent negotiate settlements or discounts, instead of recording the borrower's request for your team.
- !Never reviewing recordings, so a harsh phrase in the script goes unnoticed for weeks.
Not suited to legal notices, settlement negotiations or accounts already in dispute. Those need a person with authority, and the agent should only hand them over.
Questions people ask
Does the AI threaten or pressure borrowers?
+
No. The agent is set up to remind the borrower of the amount and due date, listen to the reason and record a promise-to-pay. It does not threaten, shame, mention family or employers, or give legal advice. If a borrower disputes the amount or asks for a person, the call can be transferred to your team. Every call is recorded so conduct can be audited.
What calling hours should a collection campaign use?
+
RBI's fair practices guidance on recovery points to reasonable hours, commonly read as roughly 8 am to 7 pm, and no repeated or harassing calls. Set that window in the campaign, cap attempts per account and keep retries spaced across days. Check your own lender's policy and RBI's current circulars, since regulated entities may carry stricter internal rules.
Can the agent speak the borrower's own language?
+
Yes. It collects in Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam or Indian English and switches to English mid-sentence when the borrower does, in the same voice. A farmer in Warangal or a shopkeeper in Nagpur is far more likely to explain the real reason for delay in their own language than to a stranger reading an English script.
Is this a replacement for a recovery team?
+
Not for hard cases. The agent handles the large first layer of soft-bucket reminders, where most people forgot or are waiting for salary, and logs a dated promise. Disputes, hardship and legal matters belong with trained people, and the transfer-to-your-team option hands the call over. Your team then works a shorter, better-sorted list.
How much does a collections campaign cost?
+
You pay for connected talk time only, from prepaid credits, with no setup fee. Reminder calls are short, so a 90-second call costs about ₹7.50 on Standard at ₹5/min or ₹10.20 on Premium at ₹6.8/min. Unanswered calls are not billed. Prices exclude 18% GST. High volumes get custom rates and setup help.
How much does an AI voice agent for collections and recovery calls cost?
+
Outpero has no setup fee and no monthly base fee — you pay only for connected talk time, from ₹5 per minute (1 credit = ₹1, credits never expire), plus ₹649/month for a dedicated calling number. You pay only for the minutes the agent is actually talking. Prices exclude 18% GST.
Keep reading
Industries that use it
Enterprise and custom: volume plans go as low as ₹3.5/min, quoted on your needs.
Get a custom quoteTry it in 30 seconds
Hear your business’s fastest employee take a call
Call the agent yourself and hear how it handles a real enquiry in your customers' language. No card, no signup — 50 free credits when you’re ready to deploy one.
No setup fee · calls from ₹5/min
Or see the full product — India's fastest employee.