NBFC / Lending AI

AI Loan Collection Agent India

Stop paying collections staff to make repeat calls. XPndAI builds an AI voice agent that calls overdue borrowers in Hindi and English, captures payment promises, and escalates hard cases — 24/7.

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40%Recovery rate lift
₹0Per call cost
24/7Calling window
4 wksDelivery

How XPndAI Builds This

Fixed price · 4-week delivery · You own all code

Step 1

Connect Your LMS

We integrate with your loan management system to pull overdue cases, borrower contact details, and DPD buckets daily.

Step 2

AI Calls Borrowers

The voice agent calls each borrower, identifies itself as a reminder service, explains the outstanding amount, and asks for a payment commitment date.

Step 3

Captures & Logs

Payment promises, broken promises, and refusals are logged back to your LMS. Agents get a daily summary of call outcomes.

Step 4

Escalates Hard Cases

Borrowers who refuse, dispute the amount, or show distress are flagged for human follow-up — only the complex cases reach your team.

Who Hires XPndAI for This

🏦NBFCs (₹50Cr+ AUM)
💳Lending platforms
🤝Microfinance companies
🏪BNPL companies

Pricing

Fixed price. No time-and-material billing. No surprises.

Starter
₹6L
Single DPD bucket, Hindi + English
MOST POPULAR
Standard
₹12L
Multi-bucket, dispute handling, LMS sync
Enterprise
₹20L+
Custom logic, multi-language, analytics

Frequently Asked Questions

Is the AI collections call TRAI-compliant?

Yes. XPndAI builds collections agents with TRAI DND compliance — calls only go to numbers not on the DND registry, within permitted calling hours (8 AM–9 PM), with proper consent records. We work with your compliance team before deployment.

Can the AI negotiate repayment plans?

Yes. The agent can offer 2–3 pre-approved repayment options (e.g., pay today vs pay in 3 EMIs) based on rules you define. Anything outside those options is escalated to a human agent.

Which languages does the collections agent support?

Hindi and English by default. We can add Marathi, Tamil, Gujarati, and other regional languages for an additional ₹1–2L per language.

How quickly can XPndAI deploy this?

A working collections agent integrated with your LMS takes 4–6 weeks from contract signing. Simpler implementations with a CSV import instead of LMS integration take 2–3 weeks.

Want to automate loan collections?

Free 30-min call. Fixed price proposal in 24 hrs. No commitment.

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