Voices that sound local to your borrower
- 22 Indian languages
- Sub-second latency
- Mid-call language switching
- Interruption handling
Lower the cost of recovery
with AI agents that work on every bucket.
From pre-due reminders to hard-bucket recovery, Sarvam's agents reach every borrower in 22 Indian languages.
3×
Right-party contact
cleared deployment, early-bucket cohort
3Cr+
Conversations / month
across leading banks, NBFCs, and fintechs
22
Indian languages
Trusted by banks,
NBFCs, and fintechs
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Every bucket, every
product, one workflow.
Day-one reminders, nudges based on late charges and CIBIL impact, and lender-approved NPA settlement offers, in every borrower's language. Each resolved account stops the slide into deeper delinquency.
1–30
Early reminder
31–60
Mid delinquency
61–90
High risk
90+
Escalation and field handover
Late
Settlement and recovery
AcrossPersonal loanCredit cardHome loanAuto loanBNPLMicrofinance
Runs your playbook.
Under your policies.
Five collection scenarios follow, each call transcribed, dispositioned, and scored.
Pre-due
Before it slips
A timely reminder confirms the due date, amount, and balance readiness before the account becomes overdue.
Due date confirmed
21 August
Balance confirmed
Debit expected
Early nudge
Late charge avoided
Pre-due reminder
Confirming balance before the due date
Agent: Namaste, kya main Rajiv ji se baat kar raha hoon?…
First missed payment
Capture the first promise
When insufficient funds cause the first miss, the agent records the reason and secures a specific payment commitment.
Reason captured
Insufficient balance
Promise set
Tomorrow · 6 PM
Method confirmed
Google Pay
First missed payment
Turning a missed EMI into a promise
Agent: Namaste, kya main Radhika ji se baat kar raha hoon?…
Broken promise
Rework the commitment
If the first promise slips, the agent returns with the account context and captures a new date, time, and payment method.
Broken PTP
Detected automatically
New date captured
27 August
Time and method
3 PM · Google Pay
Callback
Scheduled automatically
Broken promise
Resetting a missed commitment
Agent: Namaste, kya main Radhika ji se baat kar raha hoon?…
Payment assist
Guide payment to completion
When the borrower is ready, the agent stays on the call, guides each step, and confirms the payment is complete.
Link opened
Borrower guided
Amount verified
₹10,590
Method selected
Google Pay
Payment
Confirmed on call
Payment assist
Staying through a successful payment
Agent: Namaste, kya main Radhika ji se baat kar raha hoon?…
Dispute
Hand the full context to a person
When a borrower disputes the account itself, the agent stops collection, flags the case, and arranges a callback from the right team.
Dispute captured
Account not recognised
Payment request stopped
No further ask on this call
Case flagged
Concerned team
Handoff
Callback with full context
Dispute handoff
Escalating an unrecognised account
Agent: Namaste, kya main Rajesh ji se baat kar raha hoon?…
Every piece your collections team
needs, in one platform.
Each outcome routes to the next best move
- Agent strategy per bucket and product
- Disposition-based follow-ups
- Human hand-offs with the full call record
- Escalations handling
Conversations classified in real time
- Automated tagging using conversation context
- Confidence scoring per outcome
- QA reviews exceptions instead of samples
- LMS and CRM integrations
Wired into the systems you already run
- Native telephony integration
- Integrations into your LMS and CRM
- Real-time data access for personalisation
- Call history carried across attempts
Meet borrowers where they already are,
in the language they prefer
Voice
SMS
22 Indian languagesauto-detected
code-mixed Hindi-English handled nativelyHindiBengaliTamilTeluguMarathiGujaratiKannadaMalayalamAssameseUrduSanskritNepaliDogriBodoPunjabiOdiaKonkaniMaithiliSindhiKashmiriManipuriSantali
Every call on record. Every
outcome in your dashboard.
Full transcription with disposition tagging. Configured policy checks scored per call. Recovery and PTP conversion in real-time dashboards, wired into your LMS and CRM.
Dashboard
Recovery by bucket, campaign, and language.
Transcript view
Calls tagged with disposition, sentiment, and compliance flags.
Compliance feed
Auto-evaluated conversations, filtered by rule and severity.
Enterprise-grade, with our
forward-deployed motion.
Deployment controls, audit trails, and production support are part of the platform.
Forward deployed
Dedicated engineer from day one
Joint workflow design and build
Ongoing accuracy and cost optimisation
SLA-backed production support
Deployment flexibility
India-region VPC or private cloud
India-based on-premises deployment
Air-gapped deployment available
Data-residency controls
Security and governance
Every agent action is logged and traceable. Role-based access, audit trails, and data residency controls support deployment within your perimeter. These controls are built to support RBI-regulated collections and DPDP-ready operations.
SOC 2 Type IIISO 27001DPDP-ready controlsRole-based accessFull audit trailData residency controls
Frequently asked Questions
Set the rules your collections agent follows.
Set the rules your collections agent follows.