EMI Collections ROI Calculator

Estimate how much an Indian NBFC, bank, or fintech lender can save — and how much additional recovery it can unlock — by moving EMI reminder calls from human tele-callers to a voice AI agent. Numbers are illustrative; your actuals depend on portfolio mix, DPD bucket, and policy.

Your portfolio

Accounts contacted per month

Unique borrower accounts you reach out to each month.

Average EMI / ticket size

₹

Average call attempts per account

Retries across the cycle. 1.5–2.0 is typical for pre-due + early DPD.

Current right-party-contact (RTP) rate

Share of reached accounts that pay within the cycle under your current process.

Expected RTP uplift with voice AI

Driven by vernacular coverage, 24×7 retries and better intent capture. 8–15% is realistic.

Human cost per connected call

₹

Loaded cost: agent salary + supervision + infra.

Voice AI cost per connected call

₹

Typical India range: ₹3–9 per connected minute.