Automated voice AI that calls your overdue customers, speaks their language, negotiates payment, sends UPI/payment link — and logs everything to your LMS or ERP. 10,000+ calls per day. No human agent required for routine recovery.
A complete automated recovery workflow — from account selection to payment confirmation — without human intervention for routine cases.
System pulls overdue accounts from your LMS/ERP by bucket (0–30, 31–60, 61–90 DPD), priority score, and last contact date. Applies DND suppression and RBI/CBUAE calling window rules automatically.
AI selects the optimal call time per customer based on historical answer patterns. Avoids 12–2 PM (lunch) and 9–10 PM — maximises right-party contact (RPC) rate.
Agent introduces itself, states the creditor name and outstanding amount. Detects customer language from first response — switches to Hindi, Tamil, Telugu, Marathi, Arabic, or English automatically.
Explains outstanding amount and due date. Offers configured options: full payment, partial payment + commitment date, EMI restructure (if policy allows). Detects dispute / hardship flags and routes appropriately.
Immediately after promise-to-pay, sends personalised UPI payment link (Razorpay/Cashfree/PayU) via SMS and WhatsApp. Link pre-filled with customer name and exact amount. Expiry in 24 hours.
Every call outcome logged automatically: RPC/NRPC, disposition code, promise-to-pay date, amount, sentiment flag, and call recording link. Zero manual data entry.
If payment not received by promise date: auto-reminder WhatsApp (D-1), auto voice call (D+1), escalation to human agent queue (D+3). Each step logged with full audit trail.
Sample recovery conversation (Hindi/English mix — Hinglish, most effective for India)
Full call recorded, transcript logged, payment link sent — automatically.
Automatic payment recovery AI is deployed across every sector where customers have outstanding dues. High ticket = high ROI on the platform investment.
| Factor | Human Recovery Team | XPndAI Recovery Agent |
|---|---|---|
| Daily call capacity | 80–120 calls per agent per day | 10,000+ calls per instance per day |
| Cost per account contacted | ₹40–80 per contact (agent salary + infra) | ₹2–5 per contact at scale |
| Language coverage | 1–2 languages per agent | 11 languages in one system |
| Availability | 9 AM – 6 PM, Mon–Sat | Calls within allowed windows, 7 days/week |
| Consistency | Variable (good days/bad days) | 100% consistent script every call |
| Harassment risk | High — human agents can go off-script | Zero — AI cannot deviate from compliant script |
| Audit trail | Selective call recording | Every call recorded + transcribed automatically |
| Payment link delivery | Manual — agent reads link or sends manually | Automated within 10 seconds of promise-to-pay |
| LMS update | Manual disposition entry (delayed) | Real-time automatic update on call end |
| Scale-up time | Weeks (hiring + training) | Configuration change — hours |
Exotel · Ozonetel · MyOperator · Twilio · Tata Tele Business · Kaleyra · MCUBE
WhatsApp Business API (Meta) · SMS (DLT-registered) · Email
Razorpay · Cashfree · PayU · HDFC PayZapp · UPI Deeplink
Network International · Telr · PayTabs · Stripe · Magnati
Nucleus Software · Finflux · Mambu · Temenos · Custom LMS
Salesforce · Zoho CRM · HubSpot · Microsoft Dynamics · Custom
GPT-4o · Claude 3.5 · Whisper STT · ElevenLabs TTS · Azure Speech · Sarvam AI (Hindi)
AWS Mumbai · Azure India · GCP Mumbai · UAE data centre options
Fixed-price projects. 100% code ownership. No per-call SaaS fees after deployment. You own the platform.
* No per-call fees after go-live. No SaaS subscription. Platform is yours — run 10 calls or 10 million calls, same cost.
Yes — within RBI's guidelines for recovery agents (RBI Master Circular on Customer Service, 2015 + subsequent updates). Our AI agent is built compliance-first: calls only 8 AM–7 PM, fully identifies the creditor at call start, uses non-threatening language, suppresses DND numbers, and maintains complete call recordings for regulatory inspection. It cannot deviate from the approved script — eliminating the harassment risk that human agents carry.
A single deployment can handle 5,000–10,000+ simultaneous calls depending on telephony configuration. For a large NBFC or bank with 500K overdue accounts, the system can contact the entire portfolio within 3–5 days — something a human team of 200 agents couldn't achieve in a month.
Hindi, English, Tamil, Telugu, Marathi, Kannada, Bengali, Gujarati, Odia, Punjabi, and Arabic. Language is auto-detected from the customer's first response, or preset by account profile. We also support Hinglish (Hindi-English mix) which is the most natural register for many urban Indian customers.
When a customer gives a promise-to-pay, the system immediately generates a personalised UPI payment link via Razorpay/Cashfree/PayU — pre-filled with the customer's name and exact outstanding amount. The link is simultaneously sent via SMS and WhatsApp within 10 seconds of the call ending. Payment confirmation triggers an automatic LMS/ERP update and suppresses further recovery calls for that account.
We integrate via REST API, SFTP file exchange, or direct database connection depending on your LMS architecture. We have pre-built connectors for Nucleus Software, Finflux, Salesforce FSC, and Zoho. For custom LMS, we build the integration as part of the project scope. Account data flows in (overdue accounts, customer details) and disposition data flows back (call outcome, PTP date, amount).
Yes. We build UAE-specific deployments with CBUAE-compliant scripts, Arabic + English language support, UAE telephony (Twilio UAE or local SIP), and payment links via Network International, Telr, or PayTabs. Real estate payment recovery (off-plan payment plans, developer installments) is a particularly strong use case in Dubai.
Yes — 100% code ownership is standard in every XPndAI project. You receive the full source code, deployment scripts, and documentation. There are no per-call fees, no SaaS subscription, and no ongoing dependency on XPndAI after go-live (unless you choose a maintenance contract). Run the system on your own cloud or on-premise infrastructure.
Dedicated collections AI for NBFC, banks, and microfinance — India-specific compliance and LMS integration.
Specialised voice AI for personal loan, business loan, and MSME loan EMI recovery across India.
Multilingual voice AI for the full loan collections lifecycle — early-stage reminder to late-stage recovery.
We'll build a live demo on a sample of your overdue accounts — show you the call, the language, the payment link, and the LMS update. Free. 48 hours.
Related: AI Collections Agent India · Loan Collection Agent · Voice AI Development · AI for NBFC India