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Reminders, collections and KYC, handled at the scale of your loan book

NBFCs and lenders run thousands of repetitive calls and document checks every day. We build AI that reminds borrowers in their language, logs promises to pay and checks KYC files, within your policies and the RBI’s fair practice rules.

Book a free consultationWhere to start
One morning of EMI remindersExample

  1. Your team

    1,240 EMIs are due in three days. The list is picked up from the LMS

  2. AI

    Reminder calls start in Hindi, Marathi and English, in each borrower’s language

  3. AI

    812 borrowers reached. 506 promises to pay logged with dates

    Logged in the LMS

  4. Your team

    34 disputes and hardship cases routed to the collections team with call summaries

  5. AI

    Payment links sent on WhatsApp to borrowers who asked for one

  6. Your team

    Collections head gets the day’s report by bucket and branch

In short

How do NBFCs and lenders use AI?

NBFCs and lenders use AI agents for EMI reminder calls in the borrower's language, early-stage collections, recording promises to pay, and checking KYC and loan documents. Acropine builds these agents to read due lists from the loan management system and write every outcome back to it.

Sounds familiar?

Calling teams can’t reach everyone
Early-bucket borrowers go uncalled because the team is busy with later buckets.
Language gaps
Borrowers respond better in their own language, and you can’t staff every language in every shift.
KYC files come back incomplete
Missing pages and mismatched names slow disbursal and frustrate customers.
Audit and compliance pressure
Every call has to follow the fair practice code, and you need to prove it did.

What we build for lending and NBFCs

  • Pre-due and early-bucket reminders

    Polite reminder calls in the borrower’s language, with promises to pay logged against the account.

    AI voice agents

  • Payment links on WhatsApp

    Borrowers who ask get a payment link instantly, and receipts are confirmed back.

    Sales and WhatsApp AI

  • KYC and document checks

    PAN, Aadhaar, bank statements and income proofs read, cross-checked and flagged when something’s missing.

    Document intelligence

  • Bank statement analysis

    Transactions categorised and the figures your credit team needs calculated, with the source shown.

    Document intelligence

  • Policy assistant for branch staff

    Branch teams ask about products and policies and get answers with the exact clause, in your own cloud.

    Private AI assistant In development

Built for how your business works

Fair practice by design
Calling hours, scripts and escalation rules follow the RBI’s fair practice code and your own policy.
Every call recorded
Recordings, transcripts and outcomes stored for audit, with who said what and when.
Borrower data stays private
Borrower data is never used to train AI models, and can stay in your own cloud account.

Connects with the tools you use

  • Loan management systems
  • Finnone
  • Salesforce
  • LeadSquared
  • Exotel
  • Knowlarity
  • Razorpay
  • Cashfree
  • DigiLocker
  • Account aggregator data
  • WhatsApp Business API
  • SharePoint

Using something else? If it has an API or a data export, we can usually connect to it.

Where most lending and NBFCs teams start

Start with pre-due reminders for one bucket

We take one product or branch, and call borrowers three days before their EMI date. You compare reach, promises to pay and collections with your current process.

Plan this with us

Start smallA fixed-price proof of concept on your real data

  • Reminder calls in up to three languages
  • Promise-to-pay capture written to your LMS
  • Disputes routed to your team with summaries
  • Daily report by bucket and branch

Common questions

Is AI calling allowed for collections?

Yes, within the same rules that apply to your human agents: calling hours, respectful language, no harassment and proper identification. We build these into the agent and record every call.

What happens with a borrower in hardship?

The agent recognises hardship and dispute situations, stops the reminder and hands the case to your team with a summary. It never negotiates settlements on its own.

Can it integrate with our loan management system?

Yes. We read due lists and write outcomes back through your LMS’s API, database views or scheduled exports.

Other industries

Can’t find your industry?

The same AI agents work in any business where a team repeats the same process every day. If your industry isn’t listed, we’d still like to hear about it.

  • Insurance
  • Logistics
  • Manufacturing
  • Legal
  • Hospitality and travel
  • SaaS
  • Retail
  • Financial services

Tell us three things, and we’ll tell you honestly if AI can help

  1. 1

    The process

    What your team does, step by step, and where it slows down.

  2. 2

    The volume

    Roughly how many calls, messages or documents a month.

  3. 3

    The tools

    The CRM, ERP, helpdesk or spreadsheets it runs through.

Tell us about your processor email contact@acropine.com