Collections & EMI
Recover more EMIs.
Zero compliance risks.
Automate 0-30 day bucket EMI reminders with RBI-compliant voice AI. Swaram talks to your customers politely in their native language and sends payment links mid-call.
100% Compliant
Strict adherence to RBI Fair Practices Code. Calls are only made during allowed windows, with fully logged transcripts and recordings.
Instant Payment Links
Swaram negotiates the PTP (Promise To Pay) and instantly triggers Razorpay or Cashfree payment links via SMS or WhatsApp.
High Penetration
Human agents get tired. Swaram flawlessly executes your dialing strategy, calling tens of thousands of accounts in a single day.
A game changer for NBFCs
Significantly boost your early-bucket recovery rates while slashing agency outsourcing costs.
38% increase in EMI recovery for 0-30 day buckets
Complete PTP tracking and automated follow-ups
Native regional dialects (Malayalam, Tamil, Hindi, etc.)
38%
Higher Recovery
100%
Compliance
₹120
Avg Cost/Recovery
12
Languages
Ready to automate collections?
Reduce your NPA ratios and save on collection costs with Swaram's intelligent voice agents.