AI-Powered Voice Agent

for Indian Banks and NBFCs

Automate EMI reminders, SIP lapse recovery, KYC re-verification, policy renewals and loan cross-sell calls at scale.

Automate EMI reminders, SIP lapse recovery, KYC re-verification, policy renewals and loan cross-sell calls at scale.

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AI Voice Automations that
Drive Real Business Impact

AI Voice Automations that
Drive Real Business Impact

500M+

Active bank account holders in India

500M+

Active bank account holders in India

60M+

Active loan borrowers tracked by credit bureaus

60M+

Active loan borrowers tracked by credit bureaus

80M+

Mutual fund folios in India

80M+

Mutual fund folios in India

24/7

Hours Sprio calls on your behalf, every day

24/7

Hours Sprio calls on your behalf, every day

⚠ The AI Banking Challenge

Why Indian Banks and NBFCs Are Switching to AI Voice Automation

Why Indian Banks and NBFCs Are Switching to AI Voice Automation

Your collections team of 20 agents can make roughly 8,000 calls per day. Your overdue EMI book has 100,000 accounts this month. The math does not work, and customers who do not hear from you on time become NPAs. For Indian banks and NBFCs managing millions of accounts, AI-powered customer engagement is the only practical answer to this scale problem.

01

Human agents cannot call at the speed your book demands

A trained collections agent makes 200 to 400 outbound calls per day. During EMI due-date weeks, loan disbursement seasons or SIP mandate renewal cycles, the number of customers who need to hear from you multiplies overnight. There is no way to staff up fast enough to match demand, and your customers notice the silence.

01

Human agents cannot call at the speed your book demands

A trained collections agent makes 200 to 400 outbound calls per day. During EMI due-date weeks, loan disbursement seasons or SIP mandate renewal cycles, the number of customers who need to hear from you multiplies overnight. There is no way to staff up fast enough to match demand, and your customers notice the silence.

02

Customers miss business-hour calls and defaults happen after hours

Salaried borrowers are at their offices between 9 AM and 6 PM. They answer calls in the evening, after dinner, and on weekends. Manual teams work business hours. The mismatch means reminder calls are placed at the wrong time, pick-up rates are low, and EMI defaults that could have been prevented slip through.

02

Customers miss business-hour calls and defaults happen after hours

Salaried borrowers are at their offices between 9 AM and 6 PM. They answer calls in the evening, after dinner, and on weekends. Manual teams work business hours. The mismatch means reminder calls are placed at the wrong time, pick-up rates are low, and EMI defaults that could have been prevented slip through.

03

Senior agents burn out on routine reminders instead of resolving hard cases

An experienced collections or servicing agent is most valuable when handling disputes, restructuring requests and complex customer escalations. Instead, most of their day goes to reading scripts for routine EMI reminders, SIP renewal calls and KYC follow-ups. The result is high attrition in exactly the roles your business cannot afford to lose.

03

Senior agents burn out on routine reminders instead of resolving hard cases

An experienced collections or servicing agent is most valuable when handling disputes, restructuring requests and complex customer escalations. Instead, most of their day goes to reading scripts for routine EMI reminders, SIP renewal calls and KYC follow-ups. The result is high attrition in exactly the roles your business cannot afford to lose.

▶ What Changes With Sprio

Before and After: AI Voice Automation in Indian Banking and NBFC Operations

Before and After: AI Voice Automation in Indian Banking and NBFC Operations

This is what the daily reality looks like for a bank or NBFC that moves its customer outreach from a manual calling team to Sprio's voice AI.

Without Sprio

EMI reminders on due date only. Called once, on the morning the payment is due. Customers who missed the day before get no advance warning.

Collections team limited to 200-400 calls per agent per day. During peak EMI cycles, thousands of accounts go unreached.

SIP lapse is detected after the mandate fails. Recovery then requires a fresh mandate application, which borrowers often delay.

Calls placed only during business hours. Salaried customers are at work. Pick-up rates are low. Callbacks are rarely returned.

KYC re-verification builds up into a backlog. Manual calling for re-KYC takes weeks when batched against a large portfolio.

Policy renewal reminder is a single call. If the customer does not pick up, the policy lapses with no further follow-up.

No call recording trail for compliance. If a customer disputes a recovery conversation, there is no structured archive to reference.

Agents call in Hindi or English only. Customers from Tamil Nadu, Andhra Pradesh or Maharashtra struggle with agents who do not speak their language.

With Sprio

EMI reminders at 7 days, 3 days and 1 day before due date. Three-touch reminder sequence that catches most defaults before they happen.

Thousands of calls per day, per campaign. Sprio scales to your portfolio size without adding headcount.

SIP mandate checked 3 days before due date. Recovery call made before the lapse, not after. AUM stays under management.

Calls go out in the evening and on weekends. Pick-up rates improve because Sprio calls when customers are actually available.

KYC re-verification triggered by workflow, completed within the day. No backlogs. No manual scheduling. Every eligible account called automatically.

Policy renewal sequence: 30 days, 15 days, 7 days before expiry. Multiple automated touchpoints, each with a payment link included.

Every call recorded, transcribed and archived automatically. Full audit trail available for regulatory and compliance review at any time.

Calls in Hindi, Hinglish, Tamil, Telugu, Kannada, Marathi, Bengali and English. Customers hear Sprio in the language they are most comfortable with.

Without Sprio

EMI reminders on due date only. Called once, on the morning the payment is due. Customers who missed the day before get no advance warning.

Collections team limited to 200-400 calls per agent per day. During peak EMI cycles, thousands of accounts go unreached.

SIP lapse is detected after the mandate fails. Recovery then requires a fresh mandate application, which borrowers often delay.

Calls placed only during business hours. Salaried customers are at work. Pick-up rates are low. Callbacks are rarely returned.

KYC re-verification builds up into a backlog. Manual calling for re-KYC takes weeks when batched against a large portfolio.

Policy renewal reminder is a single call. If the customer does not pick up, the policy lapses with no further follow-up.

No call recording trail for compliance. If a customer disputes a recovery conversation, there is no structured archive to reference.

Agents call in Hindi or English only. Customers from Tamil Nadu, Andhra Pradesh or Maharashtra struggle with agents who do not speak their language.

With Sprio

EMI reminders at 7 days, 3 days and 1 day before due date. Three-touch reminder sequence that catches most defaults before they happen.

Thousands of calls per day, per campaign. Sprio scales to your portfolio size without adding headcount.

SIP mandate checked 3 days before due date. Recovery call made before the lapse, not after. AUM stays under management.

Calls go out in the evening and on weekends. Pick-up rates improve because Sprio calls when customers are actually available.

KYC re-verification triggered by workflow, completed within the day. No backlogs. No manual scheduling. Every eligible account called automatically.

Policy renewal sequence: 30 days, 15 days, 7 days before expiry. Multiple automated touchpoints, each with a payment link included.

Every call recorded, transcribed and archived automatically. Full audit trail available for regulatory and compliance review at any time.

Calls in Hindi, Hinglish, Tamil, Telugu, Kannada, Marathi, Bengali and English. Customers hear Sprio in the language they are most comfortable with.

⚡ AI Voice Agents

Six AI-Powered Voice Bots for Indian

Six AI-Powered Voice Bots for Indian

Banking and NBFC Use Cases

Banking and NBFC Use Cases

Each agent in Sprio's smart banking AI platform handles a specific customer journey end to end, from the opening call to payment confirmation, escalation or hand-off to your team.

Each agent in Sprio's smart banking AI platform handles a specific customer journey end to end, from the opening call to payment confirmation, escalation or hand-off to your team.

mdi

SIP Lapse Recovery AI Agent

SIP Recovery

Calls mutual fund investors 3 days before their SIP due date when the mandate is about to lapse. Explains the consequence of missing the SIP, offers a payment link to top up the source account and re-activates the mandate, recovering AUM that would otherwise be lost.

mdi

SIP Lapse Recovery AI Agent

SIP Recovery

Calls mutual fund investors 3 days before their SIP due date when the mandate is about to lapse. Explains the consequence of missing the SIP, offers a payment link to top up the source account and re-activates the mandate, recovering AUM that would otherwise be lost.

mdi

EMI Pre-Default AI Agent

Collections

Calls borrowers 7 days before EMI due date with a friendly, non-aggressive reminder. Handles payment queries, offers restructuring options if the borrower raises a hardship, and collects payment via a payment link during the same call, preventing NPAs before they appear on the books.

mdi

EMI Pre-Default AI Agent

Collections

Calls borrowers 7 days before EMI due date with a friendly, non-aggressive reminder. Handles payment queries, offers restructuring options if the borrower raises a hardship, and collects payment via a payment link during the same call, preventing NPAs before they appear on the books.

mdi

Re-KYC Verification AI Agent

KYC

Handles periodic KYC re-verification calls as required by SEBI for investment accounts and by RBI for banking customers. Validates identity information, explains the documents required, gives the customer the choice of in-branch or video KYC, and sends reminders until the verification is complete.

mdi

Re-KYC Verification AI Agent

KYC

Handles periodic KYC re-verification calls as required by SEBI for investment accounts and by RBI for banking customers. Validates identity information, explains the documents required, gives the customer the choice of in-branch or video KYC, and sends reminders until the verification is complete.

💬 WhatsApp Agent

Voice Calls Get the Conversation Started.

Voice Calls Get the Conversation Started.

WhatsApp Closes the Loop.

WhatsApp Closes the Loop.

For Indian banking and NBFC customers, WhatsApp is not a backup channel. It is the primary screen they check all day. Sprio's WhatsApp agent works alongside the voice agent so every touchpoint in the collections and servicing journey is covered.

For Indian banking and NBFC customers, WhatsApp is not a backup channel. It is the primary screen they check all day. Sprio's WhatsApp agent works alongside the voice agent so every touchpoint in the collections and servicing journey is covered.

WhatsApp for Banking

Why Indian banks are adding WhatsApp to their customer communication stack

Why Indian banks are adding WhatsApp to their customer communication stack

A voice call reaches a customer in the moment. A WhatsApp message stays in their chat thread, ready to act on when they are ready. For EMI payment, document submission and SIP top-up, this difference in timing matters a great deal.

SIP Lapse Recovery AI: How Sprio's Voice Bot Works, Step by Step

SIP Lapse Recovery AI: How Sprio's Voice Bot Works, Step by Step

SIP Lapse Recovery AI: How Sprio's Voice Bot Works, Step by Step

Walk through a typical SIP recovery call so you can see exactly what Sprio does and when.

Walk through a typical SIP recovery call so you can see exactly what Sprio does and when.

Walk through a typical SIP recovery call so you can see exactly what Sprio does and when.

Investor's SIP mandate is 3 days from failing due to insufficient balance

Sprio detects the upcoming lapse from your fund management system and places a call at the investor's preferred time, in Hindi or their regional language.

Sprio calls the investor at 6 PM on the 3rd day before the SIP date

The call opens by addressing the investor by name and mentioning the specific SIP and amount due. No generic scripts.

Investor confirms the source account has low balance
Sprio sends a payment link on WhatsApp during the same call
If the investor cannot top up immediately, Sprio schedules a follow-up
Sprio calls the investor at 6 PM on the 3rd day before the SIP date

The call opens by addressing the investor by name and mentioning the specific SIP and amount due. No generic scripts.

Investor confirms the source account has low balance
Sprio sends a payment link on WhatsApp during the same call
If the investor cannot top up immediately, Sprio schedules a follow-up
Sprio calls the investor at 6 PM on the 3rd day before the SIP date

The call opens by addressing the investor by name and mentioning the specific SIP and amount due. No generic scripts.

Investor confirms the source account has low balance
Sprio sends a payment link on WhatsApp during the same call
If the investor cannot top up immediately, Sprio schedules a follow-up

Why SIP lapse recovery matters for your AUM

Why SIP lapse recovery matters for your AUM

A SIP that lapses once does not always restart. The investor loses compounding, the AMC or distributor loses AUM, and the recovery process requires a fresh mandate with fresh signatures. Sprio prevents the lapse from happening in the first place.

A SIP that lapses once does not always restart. The investor loses compounding, the AMC or distributor loses AUM, and the recovery process requires a fresh mandate with fresh signatures. Sprio prevents the lapse from happening in the first place.

AUM Retention

SIP recovery calls placed before the lapse date preserve AUM that would otherwise require re-paperwork to recover

Hindi and Regional Language Calls

Investors across tier-2 and tier-3 India respond better to calls in their own language

Evening and Weekend Timing

Calls placed when investors actually pick up, not during the business-day window they are at work

Why SIP lapse recovery matters for your AUM

A SIP that lapses once does not always restart. The investor loses compounding, the AMC or distributor loses AUM, and the recovery process requires a fresh mandate with fresh signatures. Sprio prevents the lapse from happening in the first place.

AUM Retention

SIP recovery calls placed before the lapse date preserve AUM that would otherwise require re-paperwork to recover

Hindi and Regional Language Calls

Investors across tier-2 and tier-3 India respond better to calls in their own language

Evening and Weekend Timing

Calls placed when investors actually pick up, not during the business-day window they are at work

EMI Payment Links on WhatsApp

After a voice call reminder, Sprio sends a direct UPI or net banking payment link to the borrower's WhatsApp. One tap to pay, without navigating to a website or app. The payment confirmation comes back to your CRM automatically.

Loan Documents and Sanction Letters

Loan sanction letters, repayment schedules and NOC documents are shared on WhatsApp as PDFs. Customers sign and return via WhatsApp. No need for a branch visit or courier. Faster loan disbursement and fewer drop-offs at the documentation stage.

KYC Document Collection

Sprio's WhatsApp agent guides customers through the KYC document upload process in Hindi or their regional language. Customers photograph their Aadhaar, PAN and address proof and send them directly via WhatsApp. The files land in your back-office system automatically.

SIP Top-Up Links for Lapse Prevention

When the voice agent detects a SIP at risk, Sprio also sends a WhatsApp message with the account top-up link and exact amount needed. Investors who missed the call can act on the WhatsApp notification at their convenience, within the intervention window.

Policy Renewal Reminders and Premium Links

Insurance policy renewals are communicated via both voice and WhatsApp. The WhatsApp message carries the renewal summary, premium amount and a direct payment link. Customers who prefer reading over listening can complete the renewal entirely on WhatsApp.

Account Alerts and Transaction Confirmations

EMI debit confirmations, SIP mandate execution alerts and loan account statements are delivered on WhatsApp. Customers can reply to check their outstanding balance, next due date or request a callback. These replies are handled by Sprio's WhatsApp AI, not a human agent.

Compliance

AI in Indian Banking, Done Right: TRAI, RBI, SEBI and DPDP Aligned

AI in Indian Banking, Done Right: TRAI, RBI, SEBI and DPDP Aligned

AI voice automation in banking is only useful if it stays on the right side of regulators. Sprio is built with compliance at the center, not bolted on as an afterthought.

*01*

TRAI DND and NDNC Compliance

Every outbound call list is scrubbed against the TRAI DND and NDNC registry before the campaign runs. DND-registered numbers are excluded from promotional campaigns automatically. Transactional and service calls follow the exemption provisions under TRAI regulations.

*02*

RBI Fair Practices Code for Collections

Recovery and collections calls via Sprio are scripted to align with the RBI Fair Practices Code (NBFC Directions, 2023) for lenders. No aggressive or coercive language. No calls at prohibited hours. Sprio's scripts are reviewed by your compliance team before going live.

*03*

SEBI Guidelines for Investment Communications

For SIP recovery, KYC re-verification and investment-related calls, Sprio's scripts are aligned with SEBI's guidelines for investor communications. Required disclosures are included in the call flow. Your compliance team has full visibility and sign-off before deployment.

*04*

DPDP Act 2023 and Data Handling

Sprio's data handling is built around the principles of the Digital Personal Data Protection Act, 2023. Customer data is used only for the purpose of the call. Call recordings are archived for audit. Opt-out requests are processed at the point of the call.

*01*

TRAI DND and NDNC Compliance

Every outbound call list is scrubbed against the TRAI DND and NDNC registry before the campaign runs. DND-registered numbers are excluded from promotional campaigns automatically. Transactional and service calls follow the exemption provisions under TRAI regulations.

*02*

RBI Fair Practices Code for Collections

Recovery and collections calls via Sprio are scripted to align with the RBI Fair Practices Code (NBFC Directions, 2023) for lenders. No aggressive or coercive language. No calls at prohibited hours. Sprio's scripts are reviewed by your compliance team before going live.

*03*

SEBI Guidelines for Investment Communications

For SIP recovery, KYC re-verification and investment-related calls, Sprio's scripts are aligned with SEBI's guidelines for investor communications. Required disclosures are included in the call flow. Your compliance team has full visibility and sign-off before deployment.

*04*

DPDP Act 2023 and Data Handling

Sprio's data handling is built around the principles of the Digital Personal Data Protection Act, 2023. Customer data is used only for the purpose of the call. Call recordings are archived for audit. Opt-out requests are processed at the point of the call.

*01*

TRAI DND and NDNC Compliance

Every outbound call list is scrubbed against the TRAI DND and NDNC registry before the campaign runs. DND-registered numbers are excluded from promotional campaigns automatically. Transactional and service calls follow the exemption provisions under TRAI regulations.

*02*

RBI Fair Practices Code for Collections

Recovery and collections calls via Sprio are scripted to align with the RBI Fair Practices Code (NBFC Directions, 2023) for lenders. No aggressive or coercive language. No calls at prohibited hours. Sprio's scripts are reviewed by your compliance team before going live.

*03*

SEBI Guidelines for Investment Communications

For SIP recovery, KYC re-verification and investment-related calls, Sprio's scripts are aligned with SEBI's guidelines for investor communications. Required disclosures are included in the call flow. Your compliance team has full visibility and sign-off before deployment.

*04*

DPDP Act 2023 and Data Handling

Sprio's data handling is built around the principles of the Digital Personal Data Protection Act, 2023. Customer data is used only for the purpose of the call. Call recordings are archived for audit. Opt-out requests are processed at the point of the call.

Integrations

A Smart Banking AI Platform That Connects to Your Core Banking Systems

A Smart Banking AI Platform That Connects to Your Core Banking Systems

Sprio is a smart banking AI platform that works with your existing core banking, CRM and payment infrastructure. No rip-and-replace required.

Finacle by Infosys

Finacle by Infosys

Oracle FLEXCUBE

Oracle FLEXCUBE

Temenos T24

Temenos T24

Mambu

Mambu

Salesforce CRM

Salesforce CRM

Zoho CRM

Zoho CRM

Freshworks CRM

Freshworks CRM

LeadSquared

LeadSquared

Razorpay

Razorpay

NACH via NPCI

NACH via NPCI

Custom CBS via REST API

Custom CBS via REST API

Finacle by Infosys

Oracle FLEXCUBE

Temenos T24

Mambu

Salesforce CRM

Zoho CRM

Freshworks CRM

LeadSquared

Razorpay

NACH via NPCI

Custom CBS via REST API

FAQ

How AI Voice Automation Works for Indian Banks and NBFCs: Common Questions

Questions all resolved
in one place

Questions all resolved
in one place

Get Started Free

What types of calls can Sprio automate for banks and NBFCs?

Sprio automates the full range of outbound and inbound voice calls for BFSI: EMI and loan repayment reminders at 7, 3 and 1 day before due date; SIP lapse detection and recovery calls before the mandate fails; KYC re-verification as required by SEBI; credit card first-use activation calls; policy renewal reminders at 30, 15 and 7 days before expiry; loan top-up cross-sell for eligible borrowers; and general inbound servicing for balance queries, EMI status and payment confirmation.

Is Sprio compliant with TRAI, RBI Fair Practices Code and SEBI guidelines?

Yes. Sprio scrubs all outbound lists against the TRAI DND and NDNC registry before every campaign. Call language and messaging is aligned with RBI Fair Practices Code guidelines for collections and recovery. For investment-related communications, Sprio follows SEBI guidelines. All calls are recorded and archived for audit purposes. The team can walk you through the compliance configuration for your specific regulatory context.

Can Sprio make banking calls in Hindi and regional Indian languages?

Yes. Sprio's voice AI understands and responds in Hindi, Hinglish and English, and supports regional Indian languages including Tamil, Telugu, Kannada, Marathi and Bengali. For a financial services firm with customers across India, this means the AI speaks to each customer in the language they are most comfortable with, improving pick-up rates and payment conversion. Contact the team for confirmation on support for additional regional languages relevant to your geography.

How does Sprio connect to our core banking system?

Sprio integrates with core banking systems including Finacle by Infosys, Oracle FLEXCUBE and Temenos T24 via REST APIs. It also connects with CRM platforms commonly used by Indian NBFCs, including Salesforce, Zoho CRM, Freshworks and LeadSquared, as well as NACH via NPCI for payment confirmation and mandate management. For custom CBS setups, the Sprio team provides dedicated integration support tailored to your architecture.

What happens when a customer needs to speak to a human agent?

Yes. We follow enterprise-grade security practices and offer custom compliance options for larger organizations.

How does Sprio handle DND-registered customers?

Sprio scrubs every outbound list against the TRAI DND and NDNC database before a campaign runs. DND-registered numbers are automatically excluded from marketing and promotional campaigns. Transactional and service calls, such as EMI reminders for existing borrowers, follow the separate exemption rules under TRAI regulations. The Sprio team advises on the correct message category for your specific use case so your compliance exposure is minimised.

How quickly can Sprio go live for a bank or NBFC in India?

For standard use cases like EMI reminders or policy renewals, Sprio can be configured and live within a few weeks. The timeline depends on the complexity of your CBS integration and the number of conversation flows you want to deploy. The Sprio team handles the integration and configuration. Your compliance and operations teams review and approve the conversation scripts. You go live only when everything is confirmed.

Reinvent business communication with AI

Supercharge your operations with AI-driven messaging, voice, and automation—built for scale, speed, and real-time results.

Questions, feedback, or support? Our team’s just a message away.

Reinvent business communication with AI

Supercharge your operations with AI-driven messaging, voice, and automation—built for scale, speed, and real-time results.

Questions, feedback, or support? Our team’s just a message away.

Reinvent business communication with AI

Supercharge your operations with AI-driven messaging, voice, and automation—built for scale, speed, and real-time results.

Questions, feedback, or support? Our team’s just a message away.