Reminder calls for EMIs, fees and dues · built on the Voxa voice engine
Nudge calls borrowers a few days before and just after an EMI or fee is due. It reminds them of the amount and date, answers simple questions, notes the date they promise to pay, sends the payment link, and passes anything sensitive to your staff.
Loan record
TW-20418Sunil Verma
Reminder call scheduled · 10:30 AM
Calling now
Promise to pay · 5 Oct
Link sent · awaiting payment
Reminder call · Hindi
00:00
Promise to pay · 5 Oct
Payment link sent
Sample call · fictional lender and borrower
SMS · WhatsApp
10:31Sampada Finance
Dear Sunil, as discussed, your EMI of ₹3,450 for loan TW-20418 can be paid using the link below. Noted date: 5 Oct.
Pay ₹3,450 by UPIBranch: Sitabuldi, Nagpur · Mon–Sat, 10 AM–5 PM
Link goes out the moment a date is agreed.
Built for
How it works
A typical schedule is shown below. Your team decides the days, the hours and how many attempts, and your compliance team approves every script before the first call.
Example schedule. Calls stop as soon as the payment is received, a dispute is raised or the borrower asks for a person.
An export from your loan or fee system (a spreadsheet works on day one) with name, number, amount, due date and language.
From your registered business number, with the script your compliance team approved, in the borrower's language.
Promises to pay, links sent, payments received and hand-offs, each with a recording and transcript, in one console.
What each call does
It checks it has the borrower before mentioning any loan detail, then states the amount and due date plainly.
How to pay, where to find the UPI link, branch address and timings, from answers your team signs off.
If the borrower names a date, it is repeated back, confirmed and saved against the loan for your team to see.
By SMS or WhatsApp while the borrower is still on the line, using your existing payment gateway or UPI ID.
Disputes, hardship requests and "I want to talk to a person" go straight to your staff, with the call summary attached.
Every call is recorded and transcribed, with the outcome and next step, so nothing depends on memory.
What Nudge will not do
Languages
Hindi, Telugu, Tamil, Kannada, Marathi and English, plus Bengali, Gujarati, Malayalam, Odia, Punjabi and more. Borrowers mix English words in naturally, and so does Nudge. Hindi, Telugu and English are live in our demos; your languages are set up and voice-tested during your pilot.
आपकी ₹3,450 की EMI 3 October को due है।
"Your EMI of ₹3,450 is due on 3 October."
One approved script, voiced per language
The lender console
A queue by bucket (due soon, due today, a few days late), every promise-to-pay with its date and amount, and a clear list of hand-offs for your branch staff. Open the demo and click any borrower.
Open the console demoDue in 3 days
14Due today
111–7 days late
13Fictional borrowers for illustration
Designed around the rules
This is how Nudge is designed. It is not a certification or legal advice.
Calling hours Only within the hours you configure, and never outside 8 AM to 7 PM, the window RBI guidance sets for recovery calls.
Every line comes from an approved script. No threats, no shaming, and no disclosure of the loan to anyone but the borrower.
The borrower can ask for a human at any point in the call, and the request goes to your staff at once.
Each call is recorded and transcribed, so your team and your auditors can see exactly what was said.
Borrower data is used only for the reminder calls you configure, kept for the period you set and handled in line with the Digital Personal Data Protection Act, 2023.
Your own policies and the RBI Fair Practices Code remain your responsibility as the lender. We review every script with your compliance team before it goes live, and change it only with their approval.
Pricing
Launch pricing · first 10 clients
The per-minute rate is all-in: phone line, speech recognition, voice and AI. Calls that are not answered are not charged.
One portfolio or branch, to prove it on your borrowers
₹24,999 setup
+ ₹3.9 per connected minute, all-in (phone + AI)
Many branches, products or portfolios
₹49,999 setup
+ ₹3.2 per connected minute, all-in (phone + AI)
FAQ
No. Nudge makes reminder calls: it tells the borrower what is due and when, helps them pay and records the date they give. It does not pressure, negotiate or escalate. Anything beyond a reminder goes to your staff.
Yes. We recommend Nudge introduces itself as an automated assistant calling on your behalf, and the borrower can ask for a person at any point.
Nudge confirms it is speaking to the borrower before mentioning anything about the loan. If it isn't, it apologises and ends the call without sharing any detail, and the number is flagged for your team to check.
Nudge does not take payment details on the call. It sends a link by SMS or WhatsApp that uses your existing payment gateway or UPI ID, so the money goes straight to you.
A daily due-list export as a spreadsheet works from day one. A direct connection to your loan or fee system, and sending outcomes back to it, is scoped with your IT team during the pilot.
Usually three to four weeks. Most of that is registering your business number with the telecom provider and reviewing the scripts with your compliance team.
Yes. The same reminder flow works for term fees, instalment plans and renewals. The script talks about fees or renewals instead of EMIs, and parents or customers get the same polite call and payment link.
Message us on WhatsApp. We'll set up a demo reminder call to your phone in Hindi, Telugu or English, and walk your team through the console.