AI Voice Agent for EMI & Loan Reminder Calls in India

Does Vyora automatically call borrowers a set number of days before their due date?

You control this at the campaign level, not per individual borrower. You upload your due-list and set the campaign's date range and daily calling window (for example, starting 3 days before your EMI due date through the due date itself) — the agent works through the whole list within that window each cycle. It's not a background engine that watches individual due dates and fires automatically; you run the campaign against your list on the schedule you choose.

Can the agent tell if a borrower intends to pay?

The agent asks about payment status on the call, and the outcome is logged using Vyora's standard call classification (interested, not interested, callback requested, no response) — so your team can see, at a glance, who confirmed they'll pay, who needs a human follow-up call, and who didn't answer. It isn't a dedicated "payment promise" field, but the same classification system used across every Vyora agent.

Is this compliant with RBI's Fair Practices Code for collections?

RBI's Fair Practices Code and DRA guidelines apply to your institution as the lender, not to Vyora as the calling platform — the same way TRAI consent rules apply to whoever is making the call. What Vyora gives you are the tools to stay within those guidelines: a calling window you control (so calls only go out during permitted hours), full call recording for dispute resolution, and a de-escalation-first agent design. We don't claim RBI or DRA certification for Vyora itself; that compliance responsibility sits with your institution, same as it would with a human collections team.

Does the agent read out bank account or card details for EMI payment?

No. The agent confirms the amount due and sends a payment link via WhatsApp or SMS through your existing payment gateway — it doesn't collect or read out card numbers, CVV, or bank details on the call. See our full breakdown of why spoken payment capture is a compliance risk in the payment-info guide linked below.

What languages can the EMI reminder agent speak?

Hindi, English, Tamil, Telugu, Kannada, Marathi, Bengali, and Gujarati. For most Indian lenders, Hindi alone covers the bulk of a Tier 2/3 borrower base that an English-only or English-plus-one-Hindi-option IVR misses.

What does it cost to run EMI reminder calls?

Calling costs 15 credits per minute regardless of use case. The Builder plan starts at ₹799/month for 1,700 credits (about 113 minutes); credits never expire, and you can top up mid-cycle if a large due-list needs more minutes than your plan includes.