01
Pre-due reminders
Polite EMI-due notices with amount, due date, and repayment options in the preferred language.
Use Case
EMI reminders that help customers pay on time
Respectful, consent-aware voice outreach for NBFCs and banks — remind, explain options, and share payment links in the customer’s language while staying inside RBI fair-practice boundaries.
What you get04
- Pre-due and early-bucket reminders with approved language only
- Payment link and UPI facilitation on a consented channel
- Hardship listening with escalation to human collectors when needed
- Full QA and audit trail across 23 parameters for every call
RBI
Fair-practice aligned scripts
23
QA parameters per call
10
Languages for borrower outreach
90%
Peak connect rate
Capabilities
Collections journeys the agent can run
Designed for reminders and payment facilitation — never threats, harassment, or pressure tactics.
02
Payment facilitation
Shares UPI, net-banking, or portal links after consent and confirms when payment succeeds.
03
Early bucket follow-ups
Structured outreach for early delinquencies with approved tone and frequency caps.
04
Hardship handoff
When a customer signals difficulty, the agent escalates to a human collector with full context.
05
Fair-practice controls
Prohibited phrasing blocked, calling windows enforced, and DND plus consent checked every time.
06
Collections QA
Every call scored for disclosure, courtesy, and outcome so exceptions surface the same day.
Fair practice first
Scale reminders without crossing regulatory lines
Indian lenders need coverage across lakhs of accounts without coercive language. Rubic Solution keeps scripts, windows, and QA inside RBI fair-practice and TRAI obligations.
- Approved talk tracks only — no invented settlement pressure
- Calling and messaging frequency capped per policy
- PII redaction and India data residency on every recording
- Audit exports ready for internal risk and external reviews
Collections call
- Bucket
- Pre-due / X days
- Language
- Hindi
- Outcome
- Payment link sent
- QA
- Fair-practice pass
Call flow
How an EMI reminder conversation runs
- 01
Select and scrub
Accounts enter the queue after DND, consent, and calling-window checks against your policy.
- 02
Remind with clarity
The agent states lender identity, amount due, and due date in plain language the customer understands.
- 03
Facilitate payment
On interest, a payment link or UPI path is shared; confirmation updates the loan account system.
- 04
Escalate with care
Disputes, hardship, or complex restructuring requests transfer to a human with the transcript attached.
Outcomes
What collections programmes typically improve
↑
Right-party connect in early buckets
↓
Cost per reminder contact
100%
Calls under QA coverage
2–3 wks
Pilot on one product book
Proof
All case studiesLending outreach in production
BFSI
IIFL Finance
IIFL Finance Achieves 3x Conversions & 3.2x Lower AHT with Voice AI
3x
Higher Conversions
3.2x
Lower AHT
NBFC
Bathiya Finance
Bathiya Finance Cuts Acquisition Cost by 4x with Rubic Voice AI
1.3x
Lower AHT
1.2x
Higher Connectivity
Banking
ICICI Bank
ICICI Bank Cuts Renewal Costs by 60% with Rubic Voice AI Automation
85%
Connectivity
60%
Lower CAC
Clarity first
Frequently asked questions
Talk tracks are restricted to approved reminder and facilitation language, calling windows and frequency caps are enforced in Control Tower, and Quality Monitoring flags any prohibited phrasing before it becomes a pattern.
Pilot fair-practice EMI reminders on one book
We configure approved scripts, windows, and payment facilitation for a single product, then benchmark connect and promise-to-pay against your current process.
93% of Rubic Solution pilots convert into production deployments.