Every EMI expected. Every question answered.
AI agents remind borrowers before due dates, answer routine questions 24/7 across WhatsApp, SMS and voice, and send payment links — reducing late payments and contact centre load simultaneously.
What breaks without governed AI
Reminders reach borrowers too late or on the wrong channel
A bulk SMS on the due date misses borrowers who have switched numbers or don't read SMS. Without channel intelligence, reminder response rates are low and avoidable late payments accumulate.
Routine questions flood the contact centre
"What is my outstanding balance?" "Did my payment clear?" "What is my next EMI date?" These high-volume, low-complexity queries absorb agent time that should go to disputes and distressed borrowers.
Borrowers don't know what to expect
When borrowers are confused about their repayment schedule, late fees or prepayment terms, they either call repeatedly or go silent — both outcomes are expensive.
What the agent does, step by step
Every action is governed, logged and traceable. Your team stays in control at every checkpoint.
On loan disbursal, the agent sends a structured welcome message with the complete EMI schedule, the payment method, and how to reach support — on the channel the borrower confirmed at onboarding.
Timing and channel (WhatsApp, SMS, voice) are chosen based on what the borrower has historically responded to. Reminder content is drawn from the approved product content only.
On request or as a follow-up, the agent generates a secure, time-limited payment link. When payment is confirmed by the payment gateway, the agent sends a receipt and updates the LMS.
Balance enquiries, EMI dates, prepayment calculations, late fee queries — the agent answers from your approved product documents, never from inference. Unanswerable questions are routed to a person.
Payment disputes, complaints or requests to reschedule that exceed the agent's authorised scope are escalated immediately. The agent's conversation log goes with the escalation.
“Every answer comes from your approved product content.”
The agent is bounded by the documents your compliance team has approved. It cannot make up interest rates, invent terms or answer questions that are not covered. No source, no answer.
The measures every pilot is judged on
We agree the scorecard before the pilot begins. No metrics are invented after the fact.
On-time EMI rate
Borrowers paying by due date vs. baseline
Reminder response rate
Borrowers who open and act on reminders
Servicing queries resolved
Resolved by agent without human handoff
Time to payment confirmation
From reminder to LMS write-back
Payment disputes raised
Measured as share of total serviced accounts
Complaints per 10,000 contacts
Reported to your compliance function
Sits on your stack. Reads and writes back.
Vaman connects to the systems you already run — reading context from them and writing every outcome back. No new data warehouse, no manual reconciliation.
See the full integration mapWhat people ask before they start
Fewer late payments. Lighter contact centre.
A readiness assessment gives you a prioritised use-case plan, a data readiness report and a pilot scope your board can approve — in three weeks, for a fixed fee.