Not a generic robo-dialer. A custom AI collections agent that understands your portfolio, speaks your borrower's language, follows your RBI-compliant logic, and pushes outcomes to your LMS.
Custom AI voice agent that calls borrowers, announces EMI due, captures promise-to-pay or reason for non-payment, and schedules follow-up. Hindi, English, and regional languages.
Multi-channel follow-up after failed calls. WhatsApp template messages with payment links. SMS for low-data borrowers. All responses captured in LMS.
Built-in DND registry check, calling hours enforcement (9am–7pm), consent management, call recording, dispute escalation, and DPDP-compliant data handling.
AI captures PTP date and amount, triggers reminder on PTP date, flags broken PTP for human escalation. Full PTP tracking in your LMS.
For NPA buckets — AI offers pre-approved settlement discounts within your policy, captures borrower acceptance, and initiates settlement paperwork.
AI classifies intent: Paid / Will Pay / Disputes / Legal / No Answer. Disputed and legal cases route to senior collector instantly.
All projects are fixed-price with full source code ownership. You get the complete codebase at delivery — host it yourself, modify it, or have any developer maintain it. No annual licensing. No per-user fees.
Review your DPD buckets, current contactability rate, RBI-compliant calling policy, and LMS structure.
Build conversation flows for each bucket. Hindi/English voice testing. Compliance review of all scripts.
Connect to LMS, dialer, WhatsApp API, and payment gateway. Shadow-run on a sample portfolio.
Full portfolio go-live. Weekly cadence to review contactability rate, PTP rate, and collection outcome by AI vs manual.
Yes, if built correctly. XPndAI builds RBI/TRAI/DPDP-compliant AI collections agents. The system enforces DND registry checks, permitted calling hours (9am–7pm), borrower consent requirements, call recording, and full audit trail. All within the RBI Fair Practices Code and TRAI telecom regulations.
AI collections agent development in India: ₹5L–₹8L for a basic portfolio; ₹10L–₹20L for a full multi-channel enterprise collections system; ₹25L+ for a collections platform with custom ML models. No monthly SaaS fee — you own the system.
Yes. XPndAI builds multilingual collections AI — Hindi, English, and regional languages (Marathi, Tamil, Telugu, Bengali, Kannada). The voice AI switches language based on borrower preference captured at first contact.
AI collections agents improve contactability by 40–60% because they can dial at optimal hours, attempt 3–5 follow-ups at different times, and handle thousands of simultaneous calls. Promise-to-pay capture rates improve because AI has no hesitation in repeat follow-ups.
Free 30-minute scoping call. Fixed price quote in 48 hours. Full source code. No per-call fees.
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