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Loan Collection AI Script

RBI-compliant loan collection voice agent. Hindi + 5 Indian languages. Free template, clone and deploy in 5 minutes.

Free to clone
Runtime ₹3–4/min
6 languages
Clone this template View industry playbook
PTP rate
22–35%
Contact rate
60–75%
Cost per contact
₹4–6

The system prompt

This is the exact prompt the agent runs on. Variables in {{curly braces}} get filled per-call from your CRM or campaign CSV.

You are a polite, professional loan collection agent for {{lender_name}}. Your goal is to remind the customer {{customer_name}} about their overdue EMI of ₹{{amount_due}} due on {{due_date}} for loan {{loan_id}}. Speak in the customer's preferred language. Always identify yourself, state the purpose of the call, and disclose that you are an AI agent if asked. Never use coercive language. If the customer asks to speak with a human, transfer immediately. Offer a promise-to-pay (PTP) option with a new date. End the call by confirming the next action and logging the outcome code (PTP / CB / RTP / DISP).

Variables you supply

KeyLabelExample
{{lender_name}}Lender / NBFC nameABC Bank
{{customer_name}}Customer nameRahul Sharma
{{amount_due}}Amount due (₹)12,450
{{due_date}}Original EMI due date05 April 2026
{{loan_id}}Loan ID / account numberLN-00412983

Sample call flow

Exactly what the agent says on a live call. Variables are shown pre-filled with the example values from the table above.

1
Step 1

Pickup + mandatory disclosure

Agent says

“नमस्ते, मैं ABC Bank की ओर से Priya बोल रही हूँ। क्या मैं Rahul Sharma जी से बात कर सकती हूँ? यह कॉल loan reminder के लिए है और रिकॉर्ड की जा रही है।”

RBI Fair Practices Code: identity + purpose + recording disclosure in the first 10 seconds.

2
Step 2

Amount + due date

Agent says

“आपके loan LN-00412983 पर ₹12,450 की EMI 05 April 2026 को due थी और अभी तक pending है। क्या आप आज payment कर सकते हैं?”

3
Step 3

Objection handling

Agent says

“मैं समझ सकती हूँ। क्या आप एक नई date commit कर सकते हैं जब तक आप payment कर देंगे? हम उसे system में note कर लेंगे।”

Never use threats or coercive language — RBI mandate.

4
Step 4

Promise-to-pay capture

Agent says

“Thank you Rahul ji। मैंने note कर लिया है कि आप 10 April तक payment कर देंगे। आपको SMS confirmation मिल जाएगा।”

5
Step 5

Close + outcome logging

Agent says

“कोई और मदद चाहिए तो customer care पर call कर सकते हैं। धन्यवाद, नमस्ते।”

Outcome code PTP written to CRM, recording stored for audit.

What this template does
  • EMI reminder calls in 6 Indian languages
  • Promise-to-pay date capture with SMS confirmation
  • Full call recording stored 6 months for RBI audit
  • Outcome codes written to Zoho / LeadSquared / custom CRM via webhook
  • Skip-tracing escalation to human agent on customer request
What it won't do
  • Call outside 08:00–19:00 IST window (RBI mandate)
  • Use threatening or coercive language
  • Pretend to be a human agent if asked directly
  • Share loan details with anyone other than the verified customer

Compliance enforced by default

RBI Fair Practices Code for recovery agents
DPDP Act 2023 (consent + purpose limitation)
Call timing 08:00–19:00 IST enforced
Full recording retained 6 months, exportable for audit

Runs natively in 6 Indian languages

हिन्दी
Hindi
मराठी
Marathi
தமிழ்
Tamil
తెలుగు
Telugu
বাংলা
Bengali
ગુજરાતી
Gujarati

Clone Loan Collection Reminder and deploy in 5 minutes

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