An authenticated AI agent that handles the full loan servicing lifecycle — EMI balance, account statements, NOC issuance, foreclosure quotes, part-prepayment, and top-up eligibility. Reads and writes to your LMS. Borrowers get answers in seconds, not call queues.
The agent authenticates the borrower against your LMS, fetches live account data, checks eligibility and policy rules, executes the requested service action, and writes the outcome back — all without a human in the loop.
From day-one queries to loan closure — every borrower touchpoint handled by the AI agent, authenticated and actioned against live LMS data.
Outstanding principal, next EMI amount, due date, payment history for the last N months. Delivered instantly to WhatsApp or app chat after authentication.
On-demand account statement PDF for any date range. Annual interest certificate for IT filing. Generated from live LMS and dispatched to registered email or WhatsApp.
Eligibility check against LMS (zero outstanding, no overdue), auto-generation of NOC PDF with digital signature, dispatch to borrower — end-to-end without manual intervention.
Real-time foreclosure payoff amount including principal, accrued interest, foreclosure charges, and insurance adjustments. Agent books the request and triggers the LMS workflow.
Borrower confirms amount and preference (reduce EMI vs reduce tenure). Agent validates prepayment eligibility, generates payment link, and updates LMS on receipt confirmation.
Checks DPD history, current LTV, and product eligibility rules. Tells the borrower their top-up limit and routes them to an agent for fulfilment if eligible.
Proactive reminders before insurance expiry. Borrower confirms renewal via WhatsApp — agent generates payment link and updates the insurance record in LMS on confirmation.
Borrower initiates update via OTP-verified session. Agent captures new details, runs DPDP Act consent flow, and writes change to CRM/LMS with timestamp and audit trail.
Most lenders have an IVR or a self-service portal built years ago. Here is what the AI servicing agent does that neither of them can.
| Capability | AI Loan Servicing Agent | Legacy IVR / Web Portal |
|---|---|---|
| Natural language queries | ✓ Hindi, English, regional — any phrasing | ✗ Menu-only navigation |
| Document generation | ✓ Statement, NOC, foreclosure quote on-demand | ✗ Requires branch visit or email request |
| Real-time LMS data | ✓ Live balance, payment status, eligibility | △ Often T+1 batch data |
| Write-back to LMS | ✓ Prepayment, address update, consent logged | ✗ Read-only, updates require human |
| Dispute capture | ✓ Structured dispute intake with case ID | ✗ Not supported |
| Ownership | ✓ Source code yours, no per-query fees | △ Vendor-hosted, ongoing licence |
Fixed-price build. Source code at handover. No per-query or per-user fees after delivery. Pricing varies by the number of service types integrated and LMS complexity.
Loan servicing AI touches live account data and triggers financial actions. Every integration is designed to pass a regulatory inspection from day one.
An AI loan servicing agent handles the routine but high-volume queries that active borrowers raise throughout the loan lifecycle: outstanding balance and EMI schedule, account statement and interest certificates, No Objection Certificate requests, foreclosure quotes, part-prepayment initiation, top-up loan eligibility checks, insurance renewal reminders, and address or contact detail updates. All actions are authenticated against the live LMS so borrowers get accurate, real-time information without involving a human agent.
A traditional IVR routes callers through menus and reads back static LMS data. An AI loan servicing agent understands natural language — a borrower can say "I want to close my home loan, what is the payoff amount?" and the agent fetches the live figure, generates a foreclosure quote, and delivers it over WhatsApp in the same conversation. It also captures disputes, triggers real LMS write-back actions (prepayment, NOC dispatch), and logs everything for audit — none of which a legacy IVR or read-only portal can do.
A focused build covering the top three borrower queries — balance inquiry, statement download, and NOC issuance — with LMS and WhatsApp integration costs ₹10L–₹18L. A full-capability agent handling all eight service types, including foreclosure engine, part-prepayment processing, top-up eligibility, and bidirectional LMS write-back, costs ₹20L–₹30L. This is a fixed-price, one-time build. You own the source code and pay no per-query or per-user fees after delivery.
Yes. Every interaction begins with authentication against the registered mobile number and a second factor (loan A/C number or date of birth). Data is stored within India per RBI data localisation requirements. DPDP Act 2023 consent management is built in. All actions — NOC dispatch, foreclosure quote, prepayment instruction — are logged to an immutable audit trail with timestamp, channel, and interaction ID. For HFCs, NHB regulatory requirements are addressed at the design stage. The system is designed to pass an RBI inspection.
Get a fixed-price proposal in 48 hours. Includes LMS integration scope, channel architecture, and timeline.
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