Loan EMIs
Lenders, NBFCs and co-operative banks before and after the due date.
PAYMENT REMINDERS EMIs · fees · invoices · renewals
AI Call for Payment Reminder: polite reminders, before the due date
Most late payments are forgotten, not refused. Troika's AI agent calls customers before and after the due date, reminds them politely in their language, notes when they will pay and passes disputes or hardship to your team.
- Polite and on time
- Promise-to-pay logged
- Disputes go to your team
Who uses it
Reminders businesses never have time for
School and coaching fees
Term and instalment fee reminders to parents.
B2B invoices
Dealers and clients with invoices due.
Insurance premiums
Renewal and premium due reminders.
Subscriptions and AMCs
Renewal reminders before expiry.
Society and rent dues
Maintenance and rent reminders.
Cadence
A reminder cadence that works
| When | What the AI says | |
|---|---|---|
| Before due | 3 days before | A friendly reminder of the amount and date |
| On the due date | Morning | A short reminder and how to pay |
| Just after | 1 to 3 days after | Asks when they will pay and logs the date |
| Promise date missed | Next day | A polite follow-up; disputes go to your team |
| Hardship or dispute | Any time | Transferred or logged for your team |
Hear it on your own phone, right nowCall our AI agent and talk to it like a customer would. It answers instantly.
Example
An EMI reminder, start to finish
EMI reminder · HindiExample conversation
AI agentNamaste Rajesh ji, main [Company] se bol rahi hoon. Aapki EMI 5 tareekh ko due hai. Bas yaad dilane ke liye call kiya.
CallerHaan, salary 7 ko aayegi.
AI agentSamajh gayi. Kya main 7 tareekh payment date note kar loon?
CallerHaan, 7 ko kar dunga.
AI agentThank you, 7 tareekh note kar li hai. Payment link WhatsApp par bhej rahi hoon.
✓ Reminder given✓ Promise date: 7th✓ Link on WhatsApp
Do it right
Respectful reminders, always
General guidance, not legal advice. Lenders should follow the latest RBI rules on recovery conduct.
- Polite, never threateningNo pressure, threats or embarrassment. A reminder, not a recovery call.
- Right person onlySpeak about dues only with the customer, not family or neighbours.
- Calling hoursLenders should keep recovery-related calls between 8 AM and 7 PM as per RBI guidance.
- Disputes to peopleWrong amounts, hardship or complaints are transferred or logged for your team.
- Every call recordedRecordings and summaries for review.
- Opt-outs honouredPeople who ask not to be called are skipped.
Hear it
Real reminder and renewal calls, unedited
🩺 HealthcareOutbound
Renewal · Hindi
Explains a health policy renewal and records the reply.
1:28
🏦 BFSIInbound
Follow Up · English
Answers a finance enquiry and logs the request.
1:07
🎓 EducationOutbound
Follow Up · English
Checks back on a course enquiry and shares the details.
1:46
🏢 Real EstateOutbound
Follow Up · Hindi
Follows up a project enquiry and notes the requirement.
1:22
At a glance
Troika at a glance
| Troika | Why it matters | |
|---|---|---|
| Languages | 9+ Indian languages, switches mid-call | Customers answer in the language they speak |
| Billing | Per second of talk time, prepaid credits | A short "not interested" call costs seconds, not minutes |
| Setup | 24 hours to 7 working days | Live before your next campaign |
| Service | Managed: script, number, testing, monitoring | No new tool for your team to learn |
| Calls | Outbound and inbound, many in parallel | Every lead called within minutes |
| Hand-over | Live transfer to your team | Hot leads do not wait for a callback |
| Proof | Recording, transcript and summary per call | You see exactly what was said |
| Compliance | Calling hours, DND and opt-outs respected | Safer campaigns for your brand |
| Company | Since 2012, office in Mira Road, Mumbai | A team you can meet |
Getting started
Live in 24 hours to 7 days
- 01
Tell us the goal
Who you call, what to ask and what a good lead looks like.
- 02
Hear a live demo
The AI agent calls you with your own script.
- 03
Approve the script
Change any line until it sounds right.
- 04
Go live
We launch, monitor and improve the campaign with you.
See every plan and price in 10 secondsEnter your number and the plans unlock instantly. No sales pressure.
FAQ
AI Call for Payment Reminder: common questions
01What is an AI call for payment reminder?
An AI voice agent that calls customers before and after a payment is due, reminds them politely in their language, asks when they will pay, logs that date and passes disputes to your team.
02Can it send a payment link?
It can send a WhatsApp template you approve, which can include your payment link.
03Is it a recovery agent?
No. It makes polite reminder calls. Disputes, hardship and negotiation go to your team.
04Which payments can it remind about?
Loan EMIs, school and coaching fees, B2B invoices, insurance premiums, subscriptions, AMCs, rent and society dues.
05Is AI calling legal in India?
AI calling is used legally in India when it follows the same rules as any business calling: TRAI's telemarketing regulations, respect for the DND (Do Not Disturb) registry, permitted calling hours and a clear way to opt out.
- Use opt-in or responsibly sourced data, ideally people who enquired with you.
- Call within permitted hours. We schedule campaigns generally between 9 AM and 8 PM.
- Honour opt-outs: when someone says "don't call me", the agent ends politely and the number is skipped in future campaigns.
This is general guidance, not legal advice. Compliance depends on your campaign intent and your data.
06How much does it cost?
A one-time setup and prepaid credits billed per second of talk time, with every supported language included at no extra fee. See AI calling pricing.
Explore
More about AI reminder calls
Try it on your own phone
Let our AI agent call you right now
Enter your number and we will set up a live AI demo call for you. Hear the voice, interrupt it, ask it questions, in Hindi or English.
- No setup needed for the demo
- Hindi, English & regional languages
- Takes 2 minutes