EMI reminders that sound human and respect the borrower

The challenge

Collections teams spend most of their day on routine reminder calls. The conversations are short and repetitive, but they need to be polite, accurate and on time, thousands of times a week.

Tone matters as much as timing. A rushed or harsh call damages the relationship and can put a lender at odds with regulators. A great agent on a good day does this well. Doing it consistently across a whole portfolio is the hard part.

Borrowers also expect to be called in the language they actually think in. A reminder in the wrong language is often ignored, and then the follow-up cost grows.

How ring24 helps

1. 01

   Calls when you say it is acceptable

   Each agent follows the calling hours and schedules you set, so reminders reach borrowers at sensible times and not outside them.

2. 02

   Explains the dues clearly

   The agent reads out the amount and due date from your data, answers simple questions about it and stays calm if the borrower is upset.

3. 03

   Handles the usual objections

   "Salary is late", "I already paid", "Call me next week": the agent follows the script you design for each case and does not argue.

4. 04

   Captures a promise to pay

   When the borrower commits to a date, the agent records it, updates your system through a webhook and sends the payment link by SMS.

5. 05

   Leaves a full audit trail

   Every call has a recording and a transcript, so your compliance and quality teams can review exactly what was said.

A reminder that ends with a new date

An illustrative call, shown here in English. Your agent speaks the caller’s own language.

• AgentHello Rahul ji, this is Priya from Apex Finance. Your EMI of 4,200 rupees was due on the 5th.
• CallerYes, my salary came a bit late this time. Can I get a few days?
• AgentOf course, I understand. Can you pay by the 8th?
• CallerYes, by the 8th is fine.
• AgentDone. I have moved the date to the 8th and sent the payment link by SMS. Thank you!

What your agent can do

• Read dues and due dates from your loan system through an API
• Record promise-to-pay dates and reasons for delay
• Send payment links and receipts by SMS or WhatsApp
• Respect per-agent calling windows and retry rules
• Pass disputes and hardship cases to your team with context

What to measure

Because every call is recorded, transcribed and tagged with an outcome, you can track the numbers that matter to your team:

• Promise-to-pay rate and how often promises are kept
• Connect rate by time of day and language
• Cost per collected rupee compared with manual calling
• Complaints and escalations per thousand calls

Hear a real sample

This is a pre-recorded call from a ring24 voice agent, with live captions. Press play.

Sample call · synthetic voices · English captions are translations