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Recover Loans Faster with AI Collection Agent
Automate borrower outreach, payment negotiations, and collection follow-ups with AI — improving recovery rates while maintaining compliance and a respectful customer experience.
35%
Higher Recovery Rate
Powering 2000+ enterprise customers across the globe
What is AI Loan Collection Agent?
Tevatel's AI Loan Collection Agent identifies overdue borrowers, reaches out via personalised AI voice calls and WhatsApp, negotiates payment arrangements, and logs all outcomes automatically — improving recovery rates while keeping every interaction compliant with RBI guidelines.
- Identifies overdue accounts and initiates outreach automatically across due date buckets
- Conducts compliant, empathetic AI collection conversations in multiple languages
- Negotiates payment plans and records commitments automatically in your system
- Escalates high-risk accounts to human collectors with full interaction history
Why Loan Collection Remains Inefficient
These are the persistent challenges costing lenders recovery revenue — and how AI addresses every one.
Rising NPA Levels
Manual collection processes can't keep up with overdue account volumes — causing NPAs to rise faster than collectors can address them.
High Manual Collection Cost
Large field and phone collection teams are expensive and don't scale cost-effectively across high loan book volumes.
Compliance & Conduct Risk
Manual collection calls carry significant risk of non-compliant conduct — exposing lenders to RBI regulatory action.
Poor Borrower Experience
Aggressive or inconsistent collection approaches damage borrower relationships and increase loan restructuring resistance.
Built to Recover More,
More Compliantly
Tevatel's AI Collection Agent runs compliant, empathetic collection conversations at scale — across every bucket, every day — improving recovery rates while reducing cost and conduct risk.
- AI outreach across voice, WhatsApp, and SMS — prioritised by bucket, amount, and risk
- Natural language conversations that negotiate payment plans within your defined parameters
- RBI-compliant calling hours, tone guidelines, and consent management built in
- Payment link delivery in the same WhatsApp conversation — reducing friction to pay
- Real-time recovery dashboard with bucket-wise performance and agent productivity metrics
Why AI Collection Agent
Outperforms Manual Teams
Unlike field collectors or call centre agents, Tevatel's AI Collection Agent runs 24/7 at massive scale — with consistent, compliant conduct on every single call.
- Covers 100% of your overdue book — no account goes un-contacted
- Consistent, empathetic tone on every call — no conduct risk from individual variation
- Negotiates payment arrangements within your approved parameters automatically
- Full call recording and transcript for regulatory audit on every account
- Integrates with core banking, Finacle, Temenos, and any loan management system
Real Recovery Performance
Higher Recovery Rate
Lower Collection Cost
Collector Efficiency
From Overdue Identification to Payment in 4 Steps
A fully automated collection workflow — from account flagging to payment confirmation — with zero manual steps.
Identify Overdue Accounts
AI scans your loan book daily, segments accounts by bucket and risk, and queues them for automated outreach.
Personalised AI Outreach
AI reaches borrowers via voice and WhatsApp with a personalised, empathetic message referencing their specific account.
Negotiate & Offer Payment
AI discusses the overdue amount, offers payment plans within your parameters, and sends a payment link instantly.
Confirm & Log
Payments are confirmed and logged to your system automatically. Unresolved accounts are escalated to human collectors.
Measurable Impact on Recovery
Higher recovery rates, lower cost, and full compliance — delivered by AI working alongside your collection team.
Cover 100% of Your Book
AI contacts every overdue borrower — no account goes un-touched — covering volumes that human teams physically can't manage.
50% Lower Collection Cost
AI handles early-bucket collection at a fraction of the cost of field or call centre teams — dramatically improving collection ROI.
Full Regulatory Compliance
Every call respects RBI-mandated calling hours, tone standards, and consent requirements — eliminating conduct risk.
Connects with Your Banking
and Collection Stack
Tevatel integrates with core banking systems, payment gateways, and collection management platforms — with full data sync.
Everything You Need to Collect at Scale
Purpose-built for regulated lending — NBFCs, banks, microfinance institutions, and consumer lenders.
Intelligent Bucket Strategy
AI applies different outreach strategies by DPD bucket — early, mid, and late stage — for maximum recovery effectiveness.
RBI Compliance Engine
Calling hours, tone guidelines, consent management, and opt-out handling are enforced automatically on every interaction.
Recovery Analytics Dashboard
Track recovery rate by bucket, payment commitment rates, promise-to-pay fulfillment, and cost per rupee recovered.
Payment Link Delivery
AI sends a payment link instantly within the same WhatsApp conversation — removing friction between intent and payment.
Why Choose Tevatel?
Powering modern businesses with reliable, scalable, and intelligent solutions.
ISO Certified
ISO certification ensures high-quality standards and secure business operations at scale.
24/7 Support
Round-the-clock support ensures your operations run without interruption.
Cost Effective
Affordable solutions designed to deliver maximum ROI.
Quick Setup
Get started instantly with zero configuration and guided onboarding.
Resources and Insights
How AI is Transforming Cloud Telephony
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The Rise of Voice Bots in Customer Service
Voice bots are changing how we interact with customers, reducing wait times by up to 60%.
Trusted by Lending Institutions
"We deployed Tevatel for early-bucket collection across 80,000 accounts. Recovery rates improved by 32% and our collection cost per account dropped by 48% in the first quarter."
Mahesh Verma
Head of Collections, Mahindra Finance
"Regulatory compliance was a major concern before Tevatel. Now every call is recorded, compliant, and audit-ready. Our conduct risk exposure has been eliminated on AI-handled accounts."
Priya Anand
Chief Risk Officer, Shriram Finance
"The WhatsApp payment link feature alone changed everything. Borrowers now pay during the same conversation — within minutes of the AI call. Cure rates in Bucket 1 improved by 41%."
Rajiv Sinha
VP Collections, Northern Arc Capital
Frequently Asked Questions
Everything you need to know about AI Loan Collection Agent.