Custom AI agent that handles end-to-end EMI recovery — WhatsApp reminders, voice follow-up calls, PTP capture, payment link dispatch, and DPD bucket escalation. Built around your collection policy. Source code yours.
The agent runs continuously against your LMS — detecting overdue events, scoring each account, selecting the contact channel and message, and capturing responses back into the system.
Finflux, Nucleus FinnOne, Mambu, LoanPro, custom LMS — real-time API sync. EMI status pulled, PTP and payment confirmation pushed back automatically.
Your own WABA account or XPndAI-provisioned. DLT-compliant templates, two-way conversation parsing, media support for payment receipts.
Exotel, Twilio, Knowlarity, Ozonetel — bidirectional integration. Call recording, transcript push to LMS, IVR for payment link delivery.
Razorpay, PayU, Cashfree, Billdesk — unique payment link per account, payment status polling, partial payment handling, receipt generation.
Finacle, BankFlex, custom CBS — EMI posting confirmation, settlement entry trigger, account status updates without manual reconciliation.
Salesforce, Zoho, custom field agent app — escalated case handover with full contact history, case notes, and account summary pre-populated.
The choice is not between cheap and expensive — it is between owning your collection strategy or renting a vendor's. For NBFCs and lenders with significant portfolios, the build vs SaaS decision comes down to control, compliance auditability, and total cost of ownership.
| Factor | XPndAI Custom Collection AI | SaaS Collections Platform |
|---|---|---|
| Collection strategy ownership | Your bucket rules, your escalation logic, your cadence — built exactly as you specify | Vendor's pre-configured workflow — customisation limited to what their UI exposes |
| Source code | 100% yours at handover — run it anywhere, modify it anytime | Never yours — vendor dependency for every change |
| RBI compliance auditability | Full audit trail built to your compliance team's requirements — regulator-ready from day one | Platform-level compliance — not always sufficient for RBI inspection-level documentation |
| Cost model | Fixed build price (₹10L–₹35L) + hosting only after delivery — no per-account or per-call fees | ₹2L–₹10L/month+ in licensing that scales with portfolio — no ownership at any price |
| LMS integration depth | Bidirectional API integration built to your LMS schema — real-time write-back of PTP, payment, status | Limited to connectors the vendor supports — often requires manual export/import or shallow integration |
| Break-even | At 50,000 accounts, typically under 18 months vs monthly SaaS licence | Ongoing cost that compounds every year — no asset at the end |
Building a full lending product? See our AI Loan Origination Development page for the complete LOS + underwriting + collection lifecycle.
See AI Loan Origination →Discovery workshop → system spec → fixed quote → build → source code handover. No ongoing licence. No per-account fees.
An AI EMI collection agent automates the full EMI recovery workflow — from overdue detection to PTP (Promise to Pay) capture and settlement confirmation. It segments borrowers by DPD bucket (Day 1–15, 15–30, 30–60, 60+), selects the right contact channel (WhatsApp, voice call, SMS), executes personalised outreach in Hindi/English/regional languages, captures payment commitments, triggers payment links, and escalates cases that need human intervention. All activity is logged to your LMS with a full audit trail for RBI Digital Lending and Fair Practice Code compliance.
Custom AI EMI collection agent development: ₹10L–₹16L for a focused WhatsApp + voice reminder agent with LMS integration for a single loan product; ₹18L–₹35L for a full omnichannel collection suite with DPD bucket strategy, PTP tracking, payment link integration, and compliance layer. This is a fixed-price build — you own the source code and pay no per-account or per-call fees after delivery, unlike SaaS collections platforms that charge ₹2L–₹10L/month in ongoing licensing.
Yes, when built correctly. XPndAI builds collection AI with full regulatory compliance: calling time windows (8am–7pm per RBI Fair Practice Code), DNC Registry scrubbing before each campaign, TRAI DLT-registered sender IDs for SMS and WhatsApp, DPDP Act consent management, call recording and transcript archiving for audit, and suppression of deceased/disputed accounts. Escalation to human agents is built in for accounts flagged as vulnerable. The system is designed to pass an RBI inspection.
SaaS collection platforms offer fast initial deployment but come with structural constraints: your collection strategy is limited by the vendor's workflow; you pay per-account or per-call fees that scale with your portfolio (typically ₹2L–₹10L/month for a mid-size NBFC); and the source code is never yours. XPndAI builds custom: your strategy as code, fixed price, source code at handover, no ongoing licence. For NBFCs with 50,000+ active accounts, the break-even against SaaS licensing is typically under 18 months.
One discovery call. Map your LMS, collection strategy, and compliance requirements. Fixed-price quote within 5 business days.
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