AI voice agents for microfinance institutions

Yes. Outpero's AI voice agent handles microfinance institutions calls end to end — running courteous repayment-reminder campaigns before each due date, within RBI's permitted calling hours. It works 24 hours a day in Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam and English, switching to English the moment the caller does.

For microfinance institutions, an Outpero AI employee will run reminder campaigns a few days before each weekly or monthly instalment, stating the amount and date from your list; remind borrowers of centre meeting dates and times so collections happen as planned; call new loan enquiries within 30 seconds and capture village, household income bracket and loan purpose for the field officer; run campaigns asking borrowers to complete pending KYC or update documents, with a confirmation on WhatsApp. Every call is recorded, transcribed and summarised automatically.

Outpero has no setup fee and no monthly base fee — you pay only for connected talk time, from ₹5 per minute (1 credit = ₹1, credits never expire), plus ₹649/month for a dedicated calling number. A full-time telecaller doing the same job costs around ₹18,000 a month, works one shift and handles one call at a time. Prices exclude 18% GST.

Under 30 seconds from the enquiry landing. That matters here because microfinance runs on weekly or monthly instalments from joint-liability groups, mostly women borrowers in rural and semi-urban India. Field officers cover large territories, so reminders and missed-payment follow-ups happen in person or not at all. The RBI's 2022 regulatory framework for microfinance loans and its directions on recovery conduct require every contact to be courteous, timed correctly and free of coercion — a standard that stretched field teams find hard to meet consistently.

RBI's directions on recovery conduct bar calls before 8am or after 7pm, abusive or threatening language, and disclosing a borrower's dues to others. Set calling windows inside those hours, script reminders as courteous notices of amount and date, and have the agent confirm it is speaking to the borrower before mentioning the loan. It never threatens or shames, and every call is recorded, giving compliance a full audit trail.

It can remind overdue borrowers of the amount, ask when they expect to pay and record the promised date. It does not negotiate settlements or restructuring, which are decisions for your credit team under your board-approved policy. Borrowers who mention hardship are flagged for a field officer. Many MFIs keep the agent on pre-due and early-overdue reminders, where a polite call works best.

Partly. The agent holds calls in Hindi, Marathi, Telugu, Tamil, Kannada, Malayalam and English, which covers a large share of Indian microfinance portfolios. Borrowers whose first language is Bengali, Odia or Assamese are not covered yet, and calling them in Hindi would be a poor experience. For branches in West Bengal, Odisha or Assam, keep human callers or field reminders until those languages are added.

Trust comes from familiarity, so the agent should sound like your organisation: it names your institution, the branch and the centre, uses the borrower's name, and repeats the amount and date clearly. Many borrowers share a phone with family, so the script confirms who is speaking before discussing the loan. Choose a calm voice and keep calls short. The field officer still owns the relationship.