AI payment and EMI reminder calls: Remind every borrower before the due date.
So fewer accounts fall overdue.
Meera, AI assistant
EMI reminder, in Hindi + English. An example call.
- MeeraNamaste, main Meera bol rahi hoon, Northwind Finance ki AI assistant. Kya meri baat Amit Verma ji se ho rahi hai?
- CallerHaan, bol raha hoon.
- MeeraAmit ji, aapke two-wheeler loan ki ₹4,850 ki EMI 5 November ko due hai. Kya aap tab tak payment kar payenge?
- CallerSalary 7 tareekh ko aayegi, toh 7 ko kar dunga.
- MeeraTheek hai, maine 7 November ka promise to pay note kar liya hai. Payment link WhatsApp par bhej rahi hoon. Koi sawaal ho toh main aapko team se connect kar sakti hoon.
How it works. From trigger to outcome in 4 steps.
- 1
Your dues list syncs
Upload a CSV or push accounts by API, with variables such as {{callee_name}}, {{due_amount}} and the due date.
- 2
A polite reminder call
The agent checks it's speaking to the right person, then shares the amount and due date and asks when they plan to pay.
- 3
Promise to pay captured
The call ends as promise to pay, callback requested or wrong number, with the promised date and amount saved as fields.
- 4
Link on WhatsApp
A payment link goes out on WhatsApp as the call ends. Accounts that miss their promised date can join the next reminder campaign.
What you can track. On every call.
Each call ends with an outcome, a recording and a transcript, logged against the contact and sent on to your CRM.
- Connect rate
- Promises to pay
- Callbacks requested
- Wrong numbers and do-not-call requests
- Transfers to your team
- Best time to call
Everything this call needs.
- Before and on the due date
- Run one campaign a few days before the due date and another on the day, each with its own script and tone. Accounts that go overdue move to a collections campaign.
- Promise to pay
- Capture the date and amount a customer commits to, and send them to your loan system or CRM through webhooks.
- Payment links on WhatsApp
- Send your payment link or a statement on WhatsApp the moment the customer agrees to pay.
- Calling windows in IST
- Set the hours and days calls may go out, with gaps between retries, so reminders stay within your collection policy.
- Disputes go to a person
- If a customer disputes the amount, asks about restructuring or asks for a person, the agent transfers the call to your team.
- Respectful by design
- Every call opens with an AI disclosure and keeps the calm tone you set in the script. Do-not-call requests are honoured.
Where teams use it.
- Banking and lendingAI voice agents for banking and lending that remind borrowers before EMIs, follow up on bounces, chase KYC and qualify loan leads in Hindi and English.Industry
- InsuranceAI voice agents for insurance that renew policies on time, qualify new leads, chase proposals and keep claimants updated in Hindi, English and Hinglish.Industry
- EducationAI voice agents for education that qualify course enquiries, book counselling, remind families about fees and chase applications in Hindi and English.Industry
Questions, answered.
More on the FAQ page, or write to us.
Automated EMI reminder calls work in four steps. Your dues list syncs from a CSV or the API; an AI agent calls each borrower a few days before the due date and again on the day; it confirms the amount and date and asks when they'll pay; and a payment link goes out on WhatsApp as the call ends, with the promise to pay saved.
Kallix is built for polite reminders, not pressure. The agent says it's an AI assistant, sticks to your script, calls only in the windows you set and honours do-not-call requests. Check your own policy and any regulator guidance before you launch.
Your script sets what it checks, such as the customer's name or the last four digits of the loan account, before it mentions any amount. If it can't confirm, it ends the call politely.
Yes. When the customer agrees to pay, Kallix sends your payment link on WhatsApp through WhatsApp Business as soon as the call ends.
The agent doesn't argue. It saves the reason as a field and offers a transfer to your team, or a callback at a time that suits the customer.
Each promise to pay, with its date and amount, goes to your loan system, CRM or a Google Sheet through webhooks and the API. You can also export them as CSV from the dashboard.
Put an agent on the line.
Hear it call you today.
₹500 in free credits when you sign up. ₹4.80 a minute after that.