NBFC and collections
EMI reminder calls that escalate politely, and stop when they pay
Field teams cost money and tele-callers burn out. Appointment Reminder App sends pre-due EMI reminders, handles the first touches on every overdue EMI with a WhatsApp, SMS and AI-call ladder, and hands the hard cases to your team with a summary. Your scripts and calling hours stay under your control.
How reminders work today for nbfc and collections
Pre-due nudge
A UPI payment request goes out on WhatsApp before the EMI date.
Due-date reminder
SMS on the delay you set for borrowers who have not paid.
AI call
A respectful call in the borrower's language within your calling window (Growth plan).
Human for hard cases
The last step hands the borrower to your team with a summary.
Payment follow-ups stop automatically on payment or opt-out; automatic per-booking reminder schedules are on the roadmap. Read how WhatsApp appointment reminders and automated reminder calls work together.
What the nbfc and collections pack does
- Pre-due EMI reminders on WhatsApp with UPI link
- Separate ladders for different buckets (pre-due, DPD 1–30, 31–60)
- UPI collection links that stop the ladder on payment
- Duplicate payment confirmations ignored automatically
- Calling window enforced on every AI call
- Dispute and hardship hand-over to a human with summary
- Planned: promise-to-pay capture and reminder on the promised date
Industry packs are included in the Growth plan at ₹7,999 a month plus GST; see pricing or our guide to reducing no-shows.
Frequently asked questions
Is AI collection calling allowed under RBI guidelines?
RBI's fair-practice code expects an identified caller, reasonable hours, no harassment and an easy path to a human; confirm your own obligations with your compliance team. Appointment Reminder App opens calls with your business name, enforces your calling window, skips opted-out borrowers and hands disputes to staff.
What happens when a borrower promises to pay?
Today the promise is noted in the call summary in the shared inbox, and your team decides whether to pause or adjust the ladder. Automatic promise-to-pay capture, pausing and a reminder on the promised date are on the roadmap.
Can different loan buckets get different reminder ladders?
Yes. In Appointment Reminder App you create a separate ladder for each bucket, such as pre-due, DPD 1–30 and DPD 31–60, each with its own steps and delays, so early reminders stay gentle and later stages reach your collections team sooner.
Other industries
Clinics and hospitals
Appointment reminders, patient replies and fee collection
Diagnostic labs
Collection reminders, fasting notes, report questions
Schools and colleges
Fee reminders, PTM reminders, admissions
Real estate
Site-visit reminders, missed-call leads, follow-ups
D2C brands
COD confirmation, delivery reminders, order questions
Start with reminders. Grow into the whole conversation.
Send your first WhatsApp or SMS reminder template this week, then add the inbox, voice AI and payment recovery when you need them. 14-day free trial with ₹200 of wallet credit, no card. Prefer a call? Request a demo and our team will call you.