AI debt collection calls for Indian lenders.
Firm on dates, fair in tone, logged every time.

Calling before the due date? See payment reminders →. Once an account is overdue, a debt collection AI voice agent can take on these calls:

• The first days past due. A calm call soon after a missed EMI catches a forgotten date or a late salary before the account slips into the next bucket.
• A promise date that passes. Add accounts with a missed promise to the next campaign, and the agent opens with the date the borrower gave last time.
• Part payments. When a borrower can pay only some of the amount now, the agent records each amount and date, within the limits your script sets.
• "I've already paid." The agent doesn't argue. It logs the call as already paid, notes the date and mode of payment the borrower gives, and your team checks it against your records.
• Disputes and hardship. The agent logs a disputed amount as a dispute. Disputes, job losses and medical emergencies go to a person on your team, by warm transfer or a callback at a time the borrower picks.
• Someone else answers. If the right-party check fails, the agent says nothing about the loan, ends the call politely and logs it as a wrong number or a callback.

We suggest using AI for the early buckets and routine follow-ups. Settlements, legal notices and late-stage recovery are better handled by trained people on your team.

You decide what a fair collections call looks like, and these controls hold every call to it. Our acceptable use policy → already rules out threats, shaming, false claims, calls to a borrower's family, references or employer, and calling so often it becomes harassment.

• Calling hours. RBI's 2022 circular on recovery agents says lenders and their agents must not call borrowers before 8 am or after 7 pm. Set your campaign's calling window to match, in IST. Kallix dials only inside it.
• A limit per borrower. One per-person limit counts every call to a borrower across all your agents and campaigns, retries included. Set tighter limits for an agent if you want them.
• 1600-series numbers. Banks and NBFCs make their service and transactional calls from 1600-series numbers. Kallix helps you get them through Vobiz, issued in your business's name, and declares the automated calling to the operator for the numbers it provides.
• AI disclosure. Every call opens with the agent saying it's an AI assistant from your company, and the borrower can ask for a person at any time. That's our policy, and it's in line with RBI's FREE-AI recommendation that regulated entities tell customers when they use AI.
• Do-not-call requests. When a borrower asks you to stop calling, the agent agrees, logs it as an outcome, and Kallix leaves that borrower out of every campaign from then on.
• No payment details on the call. Agents never ask for card numbers, OTPs, PINs or passwords. Payment goes through the link on WhatsApp.
• A record of every call. Recording, transcript, disposition and sentiment for each call, so supervisors can review any conversation, not only a sample.
• Versions you sign off. Every change to an agent is saved as a new version with a changelog. Test it, launch it, and roll back if you need to.
• Borrower data in India. Call data is stored and processed in India, and Kallix is DPDP Act compliant. Hide phone numbers and ID numbers from view-only members, choose how long recordings are kept, and pass only the variables a call needs.

This isn't legal advice. Our guide to AI calling compliance in India → covers TRAI, RBI and the DPDP Act in more detail.