AI voice agents for banking and lending: Call every borrower before the due date.
Then follow up on the ones who miss it.
AI voice agents that remind borrowers before the due date, follow up on bounces, chase KYC and qualify loan leads.
Works with the tools you already use
- Salesforce
- LeadSquared
- Zoho CRM
- Freshsales
- Google Sheets
- WhatsApp Business
- Zapier
- Make
EMI bounce follow-up
Live call · Ananya · Hindi + English
Namaste Rohit ji, main Ananya bol rahi hoon, Northwind Finance ki AI assistant. Aapki 5 October wali EMI bounce ho gayi thi. Kya abhi do minute baat ho sakti hai?
The calls banking and lending teams hand to Kallix.
Pick one to see how it runs.
Each starts from your systems, ends in a clear outcome, and hands over to your team when a person is needed.
Call borrowers a few days before the due date with the amount and date from your loan file. If they ask, the agent sends a payment link on WhatsApp.
Loan system
EMI due in 3 days
Ananya calls
Hindi + English
- Confirms the borrower and loan
- Shares amount and due date
- Offers a payment link
Will pay on time
Payment link on WhatsApp
Needs more time
New date logged in CRM
No answer
Retried in the next window
Tracked as Payment date confirmed, with the recording and transcript, and synced to your CRM.
Built for the rules of banking and lending.
And every call on the record.
Calling windows, consent and data handling are set per campaign, and every call is recorded and transcribed for review.
Fair conduct on recovery calls
RBI's Fair Practices Code and its 2022 directions on recovery agents expect lenders to avoid harassment and to keep recovery calls between 8 am and 7 pm. Kallix lets you set calling windows in IST and scripts that follow your policies, and every call is recorded for review.
Consent and DND preferences
TRAI's rules on commercial communication cover promotional and service calls, including DND preferences. Call contacts you have a relationship with or consent from. Agents honour do-not-call requests on the call and log them as an outcome.
Borrower data
Loan and contact details are personal data under the DPDP Act. Kallix is built to support DPDP Act requirements: pass only the variables a call needs, such as name, due amount and due date.
What you can track
- Connect rate by campaign
- Promises to pay recorded
- Callbacks requested
- KYC follow-ups completed
- Qualified loan leads
- Best time to call by hour and weekday
General information, not legal advice. Check the rules that apply to your business.
Go deeper by use case
Banking and lending, answered.
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No. The agent confirms the amount and date, records a promise to pay and sends your payment link on WhatsApp. The payment itself happens through your own payment system.
Yes. Your agent introduces itself as an AI assistant from your company at the start of every call. If a borrower asks for a person, or the conversation needs one, it hands over to your team with a warm transfer.
Each campaign has calling windows in IST, gaps between retries and a limit on parallel lines. Set the windows your policy allows and pause a campaign at any time. Do-not-call requests are honoured on the call.
Yes. Create one agent per stage, such as pre-due, first bounce and later follow-up, each with its own script, tone and branches. Run each list as its own campaign and compare outcomes by agent and by campaign.
Push contacts and variables such as due amount and due date through the REST API or a CSV. Call results come back through signed webhooks: disposition, promise date, amount and transcript. CRMs like Salesforce and LeadSquared connect the same way.
Put an agent on the line. Hear one call you in under a minute.
Try a live agent on your own phone, or book a demo and we'll walk you through the platform with your use case.