Gold loan recovery
A borrower can't pay pending interest. The agent stays calm, records the reason and fixes a callback date instead of pushing.
0:00 / 2:02
Outcomes · Not interested, reason captured · Callback date set Home / Industries / Banks & NBFCs
AI voice agents for banks and NBFCs, built to pass an RBI audit
Screen gold loan leads, book branch visits, verify new loans and collect EMIs in Hindi, English and 40+ languages. Every call says it is an AI, stays inside RBI calling hours and ends in an outcome your team can act on.
100% of calls disclosed as AI100% recordedDND enforced8 am to 7 pm window locked
Demo call00:42
P
Priya · AI agentEMI reminder · DPD 7
Namaste, main ABC Finance ki taraf se AI assistant Priya bol rahi hoon. Yeh call record ho rahi hai.
Haan, boliye.
Aapki ₹4,250 ki EMI 5 tareekh ko due thi. Kya aaj pay kar payenge?
Aaj nahi, 12 tareekh tak kar dunga.
Theek hai: 12 October, ₹4,250. Payment link WhatsApp par bhej rahi hoon.
OUTCOME LOGGED TO LMSPromise to pay captured12 Oct · ₹4,250 · link sent
Every call ends in one of 23 outcomes
At a glance
What is an AI voice agent for banks and NBFCs?
An AI voice agent for NBFCs is software that phones borrowers and loan leads, talks with them in their own language, and ends every call with a logged result, such as a booked gold loan valuation, a confirmed e-NACH mandate or a promise to pay. VoiceGun's agents say they are AI in the first sentence, call only between 8 am and 7 pm for recovery, and record every call for audit.
LAST UPDATED 27 SEP 2026
- BUILT FOR
- Banks, NBFCs, gold loan lenders, microfinance and fintech lenders in India
- USE CASES
- Gold loan screening, visit booking, KYC, welcome calls, e-NACH, EMI reminders, loan recovery, approved OTS offers, auction and repossession notices
- OUTCOMES
- 23 defined call outcomes, written back to your LMS or CRM
- LANGUAGES
- 40+ languages, including Hindi, English, Hinglish, Malayalam, Marathi, Punjabi, Tamil, Telugu, Gujarati and Kannada
- COMPLIANCE
- AI disclosure, 8 am to 7 pm recovery window, DND and consent checks, DPDP-aligned data handling
- PRICING
- From ₹2.99 per connected minute, no setup fee. First test campaign in under 15 minutes
Public figures from Indian lenders
India's lenders already run on AI calls
Published figures and regulator guidance, not VoiceGun's results. Each one links to its source.
₹5,520 Cr
Loans Bajaj Finance disbursed through conversational AI bots in FY26.
Source · Bajaj Finserv shareholder letter, Jul 202652M
Customer voice logs Bajaj Finance turned into text with AI, helping drive ₹697 Cr of disbursals.
Source · Bajaj Finserv shareholder letter, Jul 2026FREE-AI
RBI's 2025 framework for responsible, explainable and accountable use of AI by regulated lenders.
Source · RBI FREE-AI committee report, Aug 2025100M
Customer calls Bajaj Finance expects AI to handle by 2027, up from 20 million already handled.
Source · Q3 FY26 earnings call, via Trak.inHear it, don't take our word
Hear NBFC demo calls
Demo calls produced for demonstration, on lending scripts. Play the Hindi one, then the Malayalam one: same script, same restraint, a different borrower.
Loan recovery
The same script and the same restraint in a different language, with a different borrower. Play it straight after the Hindi call.
0:00 / 3:00
Outcome · Promise to pay or callback booked Inbound lead qualification
Works out intent, budget and timing on the first call, so your loan officers open with the leads worth opening with.
0:00 / 2:52
Outcome · Lead qualified Real recordings are published with the customer's permission. Demo calls are labelled.
Why lenders switch
Telecalling doesn't scale the way your loan book does
Leads go cold in hours
A gold loan lead who isn't called back today often walks into another lender's branch tomorrow.
Buckets roll while seats sit empty
Attrition and training time leave early-overdue accounts under-called, just when a reminder works best.
One bad call is a compliance event
A call at 8:15 pm or a threatening line can reach the regulator. A script alone doesn't stop it.
In their language, at their time
Calls that sound like your borrowers' own
The agent follows the borrower into Hindi, Marathi, Gujarati, Tamil or any of 40+ languages, and calls when it suits them.
23 outcomes, one loan lifecycle
Every call ends in a result your team can act on
The agent doesn't just talk. Each call closes on one of these outcomes, with the details written back to your LMS or CRM.
1. Find and qualify borrowers
7 OUTCOMES
Gold loan interest confirmed
The contact has gold and wants a loan. Approximate weight, amount needed and timeline are captured.
Indicative amount & rate accepted
The contact hears the indicative per-gram amount and interest rate and agrees to proceed.
Gold loan takeover interested
The contact has a gold loan elsewhere and wants to shift. Current lender, amount and renewal date are captured.
Loan application initiated
The applicant agrees to apply. PAN, basic KYC and the loan requirement are captured.
Lead qualified only
Loan type, amount, income and credit score band are captured, but no application yet.
Interested later, follow-up date captured
The contact has a future need. A follow-up date or month is recorded for a re-call.
Not interested, reason captured
The contact declines for now, and the reason is recorded: no gold, rate, other lender or no need.
2. Book the visit and close the loan
5 OUTCOMES
Gold loan branch visit booked
The customer commits to a dated branch visit for gold valuation and disbursal.
Doorstep gold loan visit booked
A dated home visit for gold valuation and disbursal is confirmed.
Field / doorstep verification scheduled
A slot is fixed for a field officer's residence or business verification visit.
KYC & income documents scheduled
An upload link is accepted, or doorstep pickup of KYC, bank statements and ITR is agreed.
Sanction offer accepted
The customer accepts the sanctioned amount, rate and tenure on the call.
3. Onboard and service the loan
5 OUTCOMESDisbursal account & date confirmed
The borrower confirms the bank account and the expected disbursal date.
Welcome call / loan terms verified
After disbursal, the borrower confirms loan amount, rate, tenure and EMI date.
e-NACH / EMI mandate confirmed
The borrower agrees to register the auto-debit mandate for EMIs.
Top-up / repeat loan accepted
An existing borrower opts for a top-up, a renewal or a fresh loan.
Foreclosure / part-prepayment request captured
The borrower's request to close or prepay the loan is logged for your team.
4. Collect and recover
4 OUTCOMESPromise to pay captured
An overdue borrower commits to a specific repayment date and amount.
NACH bounce paid via link
The borrower pays a bounced EMI through the payment link sent during the call.
Gold redeemed / auction avoided
The borrower acknowledges the auction notice and commits to a date to repay or renew first.
Vehicle repossession notice acknowledged
The borrower acknowledges the notice and commits to clear dues.
ON EVERY CALL
Two exits, always open
21 · OUTBOUND · INBOUND · WEBSITECallback booked with a human
Handed to a loan officer or collections executive, with a slot captured.
23 · OUTBOUNDNot interested / DNC recorded
The contact asks not to be called again. The opt-out is logged and honoured on every future list.
Demo call · Hindi01:18
A
Anjali · AI agentGold loan lead screening
नमस्ते, मैं ABC फ़ाइनेंस की AI असिस्टेंट अंजलि बोल रही हूँ। क्या आप गोल्ड लोन लेना चाहेंगे?
हाँ, लगभग 40 ग्राम सोना है। डेढ़ लाख चाहिए।
40 ग्राम पर अनुमानित ₹2,10,000 तक मिल सकता है, ब्याज 0.99% प्रति माह से। आगे बढ़ें?
हाँ। क्या कोई घर आ सकता है?
ज़रूर। शनिवार सुबह 10 बजे डोरस्टेप विज़िट बुक कर दी है।
Interest confirmed40 g · ₹1.5L
Doorstep visit bookedSat · 10:00
Built for gold loan lenders
From "I have some gold" to a booked valuation in one call
Screen thousands of leads a day, quote an indicative per-gram amount, and book the branch or doorstep visit before the customer calls another lender. Then call again before renewal and auction dates.
Interest confirmed
Amount & rate accepted
Branch or doorstep visit
Takeover leads flagged
ILLUSTRATIVE FUNNEL SHAPE · NOT MEASURED DATA · REPLACE WITH A REAL CAMPAIGN
Before the renewal date
Reminds borrowers their tenure is ending and offers renewal or a top-up on the same gold.
Before the auction
Confirms the borrower received the auction notice and takes a date to repay or renew.
Measured on VoiceGun production campaigns
4 to 18% of contacts ended in a booking or settlement per campaign, 48% of dialled contacts answered (129 of 266), and 0 calls were marked hostile or complaining by the reviewing team.
Collections by bucket
The right call for every stage of overdue
Firm, polite and inside the rules. The agent never threatens, never goes beyond the settlement terms you approve, and hands over the moment a human is needed.
StageWhat the agent doesOutcome loggedHands to a human when
Pre-dueT-5 to T-1What the agent doesReminds the amount and date, checks the auto-debit is active.Outcome loggede-NACH / EMI mandate confirmedHands to a human whenThe borrower disputes the amount
Early overdueDPD 1 to 30What the agent doesExplains the missed EMI, sends a payment link on WhatsApp or SMS, takes a date.Outcome loggedPromise to pay captured · NACH bounce paid via linkHands to a human whenThe borrower reports hardship
Late overdueDPD 31 to 90What the agent doesFollows up broken promises, presents your approved one-time settlement (OTS) offer and records the answer.Outcome loggedPromise to pay captured · OTS offer accepted · Callback booked with a humanHands to a human whenThe borrower wants terms beyond the approved offer
Secured stageNotice issuedWhat the agent doesConfirms the gold auction or vehicle repossession notice was received and offers to repay or renew.Outcome loggedGold redeemed / auction avoided · Repossession notice acknowledgedHands to a human whenThe borrower contests the notice
Recovery calls go out only between 8 am and 7 pm, as RBI requires. The window is locked by the platform, not by a script someone can edit.
Compliance
Mapped to the rules an RBI inspector asks about
The controls are on by default, not a setting someone forgot. Your compliance team still signs off every script.
RuleWhat it asks of lendersHow VoiceGun enforces it
RBI Fair Practices Code and recovery agent directionsWhat it asksNo harassment, calls only between 8 am and 7 pm, a clear identity on every call.How VoiceGun enforces itCalling window locked at platform level. Scripts can't threaten or mislead. The lender's name is stated up front.
RBI FREE-AI frameworkAug 2025What it asksResponsible, explainable and accountable AI in financial services.How VoiceGun enforces itThe first sentence says it is an AI. 100% of calls are recorded. A human is one request away.
DPDP Act 2023What it asksConsent, purpose limits, and erasure on request.How VoiceGun enforces itConsent checked before dialling. Data exported or deleted on request. Never used to train models.
TRAI commercial communication rules (DND)What it asksNo promotional calls to numbers that have opted out.How VoiceGun enforces itAutomatic DND suppression on every list, plus the opt-outs your own calls collect.
RBI outsourcing guidanceWhat it asksThe lender stays accountable for what its vendors do.How VoiceGun enforces itA recording, transcript and outcome log for every call, retained for audit and exportable at any time.
Data
Borrower data doesn't leave your control
Encrypted in transit and at rest
Region-based storage, in the region you choose
Never used to train models
Never shared or sold
Recordings and transcripts exportable any time
Data deleted whenever you ask
Languages
The agent switches when the borrower does
HindiEnglishHinglishMalayalamMarathiPunjabiTamilTeluguGujaratiKannada40+ in total
HINDIआपकी EMI का लिंक WhatsApp पर भेज दिया है।
PUNJABIਤੁਹਾਡੀ ਬ੍ਰਾਂਚ ਵਿਜ਼ਿਟ ਸ਼ਨੀਵਾਰ ਲਈ ਬੁੱਕ ਹੋ ਗਈ ਹੈ।
TAMILஉங்கள் EMI இணைப்பு அனுப்பப்பட்டது.
SAMPLE LINES · HAVE A NATIVE SPEAKER CHECK BEFORE PUBLISHING
Integrations
Outcomes land where your team already works
Each outcome, with its captured details, is written back to your systems as the call ends.
Loan management systemDue dates, amounts, outcomes
Loan origination systemApplications, KYC status
UPI & payment linksSent mid-call, paid on the spot
e-NACH mandatesRegistration links and status
CRMLeads, follow-up dates, owners
WhatsApp & SMSLinks, visit reminders, receipts
VoiceGun in production
Real numbers, with their denominators
Read off two production campaigns. Not rounded, not averaged, not projected.
48%Of dialled contacts answered. 129 of 266.
0.5%Of callers asked to be put through to a person. 1 of 184.
0Calls marked hostile or complaining by the team reviewing them.
4 to 18%Bookings and settlements per campaign, start to finish.
FROM A GOLD LOAN NBFC
"Every EMI reminder call is disclosed, consented and recorded. Compliance signed off faster than on our old dialer, and connect rates went up."
VP, COLLECTIONS · GOLD LOAN NBFCWhat they valued: the productHow fast it went liveThe service from our team
AI agent vs telecaller
Pay for outcomes, not for seats
Same calls, different economics. A telecalling team costs the same on a quiet day as on a peak one.
TELECALLING TEAMVOICEGUN AGENT
Ramp-upHire, train, repeat after attritionFirst test campaign in under 15 minutes
Peak daysCapped by seatsScales to the list
LanguagesWhoever is on shiftSwitches mid-call
ComplianceDepends on each callerEnforced on every call
CostSalaries, incentives and seats, busy or idlePay only per connected minute
PRICING Usage-based, per connected minute
From ₹2.99 per connected minute. No setup fee, and you pay only when a borrower picks up.
Volume pricing for enterprise lenders. Pause or stop any time.
See pricingGoing live
Your first test campaign in 15 minutes
STEP 1 · MINUTESPick your outcomes
Choose from the 23 outcomes above and upload a list of borrowers or leads.
STEP 2 · UNDER 15 MINRun a test campaign
Most teams go live in under 15 minutes, and nobody from engineering is needed.
STEP 3 · YOUR PACESign off with compliance
Your team listens to test calls in every language and signs off scripts.
STEP 4 · WHEN READYConnect and scale
Link your LMS, CRM and payment links, then widen from one bucket to the whole book.
Buyer's checklist
10 questions to ask any voice AI vendor
Ask us too. If a vendor can't answer these on the first call, your compliance team will ask them later.
- 01Does every call say it is an AI in the first sentence?
- 02Is the 8 am to 7 pm window enforced by the platform or by the script?
- 03Where is borrower data stored, and is it used to train models?
- 04Can you show me the recording and transcript of any single call?
- 05How are DND and consent checked before a number is dialled?
- 06What happens the moment a borrower asks for a human?
- 07Can it present an approved OTS offer without negotiating beyond it?
- 08Which of my systems does it write outcomes back to?
- 09Can it send a UPI or payment link during the call?
- 10Do you price per minute or per outcome, and what counts as an outcome?
FAQ
Banks and NBFCs ask us
What is an AI voice agent for NBFCs?
It's software that calls borrowers and leads by phone, holds a natural conversation in their language, and ends each call with a logged outcome, such as a promise to pay or a booked branch visit. It says it is an AI in its first sentence.
Which NBFC calls can it handle?
Lead screening, gold loan enquiries, branch and doorstep visit booking, KYC and document follow-up, welcome calls, e-NACH registration, EMI reminders, promise-to-pay capture, bounce recovery, approved OTS offers, renewal, auction and repossession notices. The 23 outcomes above list them all.
Does it work for gold loans?
Yes. It screens leads for gold and loan need, shares an indicative per-gram amount and rate, books branch or doorstep valuations, flags takeover prospects, and calls ahead of renewal and auction dates.
Is it compliant with RBI rules?
The platform enforces the 8 am to 7 pm recovery window, AI disclosure, recording, consent and DND checks on every call. Your compliance team reviews and signs off every script before launch.
How do you handle consent and do-not-call lists?
Consent is checked before a number is dialled, and DND numbers are suppressed automatically. Any opt-out collected on a call is logged and honoured on every future list.
Will the agent give financial advice or negotiate a settlement?
It never gives investment, tax or financial advice. For settlements, it can present a one-time settlement (OTS) offer your team has approved and record the borrower's answer, but it never negotiates beyond those terms. Anything else transfers to your team.
Can we prove what was said on a specific call?
Yes. Every call is recorded and transcribed, with its outcome and timestamps, so you can pull any single call for an audit or a borrower complaint.
Will our number get flagged as spam?
Calls go out from verified, registered business caller IDs rather than rotating unknown numbers, which is what triggers carrier spam tagging and damages a lender brand.
Which languages does it speak?
40+ languages, including Hindi, English, Hinglish, Malayalam, Marathi, Punjabi, Tamil, Telugu, Gujarati and Kannada. It follows the borrower into whichever language they use.
How does it collect a payment on the call?
It sends your payment link by WhatsApp or SMS while the borrower is still on the line, and logs whether the link was paid.
How fast can we go live?
Most teams go live in under 15 minutes, with nobody from engineering: upload a list, pick the outcomes and run a first test campaign. Connecting your LMS and compliance sign-off follow at your pace.
How is it priced?
Usage-based, per connected minute, with no setup fee. Volume pricing is available for enterprise lenders.
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Play an NBFC demo call, or run your own test campaign in under 15 minutes.