INDUSTRY · NBFC & Lending

AI calling for NBFCs — pre-screen 10,000 applications a month with one agent.

Tier-2 NBFCs receive 11,000 applications/month and verify only 1,500 by phone — verification calls cost ₹40 each in human labour. The other 9,500 leak: some are fraud, some are real, none get the right second touch. DigitalCallers pre-screens 100% of applications at ₹9 each.

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KEY METRICS

What teams running DigitalCallers see in NBFC & Lending.

92%

Pre-screen coverage (up from 14% with human-only)

Of the per-application cost vs human verification

100%

Banned-phrase audit (RBI / TRAI compliant)

Real-time

Webhook back to your LOS / underwriting system

USE CASES

Five conversations DigitalCallers handles for you in NBFC & Lending.

Loan-application pre-screen

Confirm employment, monthly income, EMI commitments, basic eligibility math. Filters fraud/incomplete from the 60% leakage layer.

KYC verification call

Confirm identity details, ask the 3 RBI-required verification questions, log responses for audit.

EMI-due reminder

3 days before EMI due — gentle reminder with payment-link. Drops missed-EMI rate 30%+.

Default early-warning

Borrower marked at risk (missed 1 EMI) → AI calls within 24 hrs, captures reason, escalates if high-risk.

Cross-sell on existing borrowers

Top-up loans, personal-loan offers, insurance attach — to existing borrowers in good standing.

FEATURES THAT MATTER HERE

Built for the way NBFC & Lending actually operates in India.

RBI / TRAI banned-phrase enforcement

'Guaranteed approval', 'no documents needed', 'instant cash' — all caught in real-time. Compliance officer gets a daily roll-up.

Aadhaar / PAN / phone PII redaction

Stored transcripts have all PII stripped via regex. Compliance officer can review transcripts without seeing customer-identifying data.

Consultant persona (Rohan)

Diagnostic conversation style — asks structured questions, doesn't push, mirrors a senior credit officer.

LOS / underwriting webhook integration

HMAC-signed webhooks fire back to your LOS the moment the call completes. Pre-screen verdict + risk markers + structured fields.

Multi-tenant for NBFC platforms

If you operate a platform with 50+ embedded NBFC partners (think BankBazaar/Cred-style), each partner gets a sub-account with its own brand voice.

COMMON QUESTIONS

FAQs from NBFC & Lending.

Is this RBI Digital Lending Guidelines (DLG) compliant?

Yes for the outbound-call portion. The agent records consent, identifies itself as an AI agent calling on behalf of [NBFC name], doesn't make any lending decisions (just collects info), and routes to a human for any approval. Recording retention configurable per RBI norms.

Can it handle CIBIL questions?

The agent can confirm the customer's understanding of their CIBIL band (excellent / good / fair / poor) but doesn't quote the actual score during the call — that goes via secure channel. CIBIL discussions in a public phone call would violate borrower confidentiality.

What about Aadhaar / OTP-based eKYC during the call?

Out of scope — eKYC has to go through your DigiLocker / NSDL / authorised eKYC partner over HTTPS. The agent collects the basic info and hands off to your eKYC flow via WhatsApp link.

Hindi-English NBFC-specific objection handling?

Yes — 'EMI bahut zyada hai', 'ROI kya hai', 'foreclosure charges kitne hain' — all standard. Banned-phrase audit catches 'guaranteed approval' / 'instant loan' style claims that violate RBI marketing rules.