भारत के लिए/Built for BHARAT
AI voice agent for loan collections and EMI reminders.
Artha calls borrowers about an upcoming or missed EMI in Hindi, English, 9 other Indian languages or any of 130+ languages, notes what they say - paid, a promised date, a dispute, a callback - and passes sensitive cases to your team. Every call is transcribed and summarised.
130+
Languages
24/7
Answering
3
Channels
Campaign runningDo-Not-Call checked firstTest it on a call your team takes today.
Pick a situation your team handles today, then say the sample line or use your own words.
What Artha does
Uses approved account context, communicates the reminder calmly and records the caller’s response.
Useful outcome
Verified reminder outcome without pressure.
Where the current workflow breaks.
Manual dialing
Collectors spend hours on repetitive reminder calls. Artha runs them as a campaign from your number.
Inconsistent calls
Every collector words the reminder differently. Artha follows the same approved script on every call, and each call can be reviewed afterwards.
No visibility
Promised dates and outcomes end up in notebooks. Artha saves them as fields on each call, in one list.
Hear it on a real call before you decide.
Artha answers in your language, works on your number and your website, and leaves a record of every call.
Consent and recording, your call
Require spoken consent, switch recording on or off and set how long records are kept.
130+ languages
Hindi, Hinglish and 9 other Indian languages included. The agent follows the caller.
Phone and website
The same agent can answer your number and the call button on your site.
Every call logged
A transcript for every call, plus the lead fields captured and the audio if recording is on.
How the conversation becomes an outcome.
- 1Step 1
1. Verify the purpose
State why the call is happening without exposing unnecessary account information.
- 2Step 2
2. Hold a respectful conversation
Use consistent language without threats, shame or artificial urgency.
- 3Step 3
3. Capture the outcome
Record paid, callback, disputed, hardship or promise-to-pay intent accurately.
- 4Step 4
4. Route sensitive cases
Move disputes and hardship situations to an authorized human with context.
What the agent does on an EMI reminder or collections call.
A campaign dials a list of borrowers from your number with the agent you choose. On each call:
It opens with the borrower’s own details
The fields you import with each contact - name, due date, amount, loan reference - are passed into the call, so the greeting and the reminder use them.
It talks in the borrower’s language
It starts in the agent’s default language and follows the borrower into Hindi, English or another supported Indian language mid-call.
It records the outcome
Post-call fields you define - paid, promised date, promised amount, dispute, wrong number - are pulled from every call’s transcript.
It hands over what it should not handle
Disputes, hardship and anything outside your approved script go to a person, by live transfer or by a callback request with the borrower’s preferred time.
Rules that decide who gets called, and when.
These are dashboard settings checked before every dial, not lines in a script.
Calling window and days
Set the hours, active days and timezone outbound calls may go out in. With the window enforced, dials outside it are blocked. Each campaign can also have its own schedule and end date.
Calling window and Do-Not-CallDo-Not-Call list
Every dial is checked against your Do-Not-Call list first. When a borrower asks not to be called again, the agent adds them itself. Blocked contacts are counted, not called.
Attempts and retries
Choose how many times to retry, how long to wait between attempts, and separate retry rules for busy lines, voicemail and very short calls. Pace dials per minute and cap concurrent calls.
Consent basis on every campaign
Each campaign records why its contacts may be called - they enquired, existing customer, opted in, or a third-party list - and stores it with every contact.
Recording consent and retention
Optionally ask for spoken consent at the start of the call, choose whether calls are recorded, and set how many days transcripts and recordings are kept.
RBI guidance limits recovery calls to between 8 am and 7 pm. The default calling window is 9 am to 9 pm, Monday to Saturday, so a collections team would end it at 7 pm. Vistrow Voice applies the window you set; which rules apply to your loans is for your compliance team to confirm.
Every call leaves a record your team can check.
Transcript and summary
Each call is saved with its full transcript and a short summary in Calls history, searchable by name or number.
Recording
With recording on, the audio is stored with the call for playback and download, for quality review and disputes.
Outcomes into your systems
Captured fields and the transcript can be posted to your loan or CRM system by webhook, or sent to Zoho CRM, ArthaLeads, Google Sheets or Slack.
Campaign progress
Each campaign shows connected, calling, pending, no-answer, failed and blocked counts while it runs.
Reminders in the language the borrower answers in.
Hindi and Hinglish
Where most reminder calls start. The Hindi page has a written sample of an upcoming-EMI reminder.
Tamil and Punjabi
Reminders that open in the borrower’s own language and follow the English words they mix in.
Every supported language
Marathi, Telugu, Kannada, Bengali, Gujarati, Malayalam, Odia and Punjabi too, plus English.
What it costs
Calls are billed in credits by the minute. See the plans, what each includes, and what is billed separately.
A missed-EMI follow-up call, in Hindi and Hinglish.
A short written sample to show the style of call, with an English gloss under each line. It is not a recording of a customer call.
Saarthi Finance is the made-up demo business. With a post-call field set up for it, the promised date is saved on the call; the callback request reaches your team with her preferred time and the transcript.
AI agent
नमस्ते, सुनीता शर्मा जी बात कर रही हैं?
Hello, is this Sunita Sharma ji speaking?
Caller
हाँ, बोलिए।
Yes, go ahead.
AI agent
मैं Saarthi Finance से Artha बोल रही हूँ। आपकी 5 तारीख की EMI अभी pending दिख रही है।
This is Artha calling from Saarthi Finance. Your EMI for the 5th is still showing as pending.
Caller
हाँ, इस महीने थोड़ी problem है। 20 तारीख तक कर दूँगी, पर late fee के बारे में किसी से बात करनी है।
Yes, there is a slight issue this month. I will pay by the 20th, but I need to talk to someone about the late fee.
AI agent
ठीक है, मैंने 20 तारीख नोट कर ली है। late fee के लिए हमारी team आपको call करेगी, आपके लिए कौन सा time ठीक रहेगा?
Okay, I have noted the 20th. Our team will call you regarding the late fee, what time will work for you?
Caller
शाम 5 से 6 के बीच।
Between 5 and 6 in the evening.
Payment-call disposition
Example only. Your agent captures the fields and outcomes configured for your workflow.
No manual call reconstruction.
- EMI and payment reminders
- Promised-date capture
- Calling window and Do-Not-Call checks
- Recording, transcript and summary
The same screens your team will use.
These are views of the real Vistrow Voice dashboard, with sample data.
- 1
Filter by channel
Phone, web and website widget calls sit in one list, one tap apart.
- 2
Inbound and outbound together
Each row shows the direction, the duration and the page a website call came from.
- 3
Sentiment and the agent
See how each call went and which agent took it, then open the transcript.
The call should update the tools your team already uses.
Payment workflow
Use verified payment context and write outcomes back to your system.
Audit trail
Keep recordings, transcripts and dispositions available for review.
Human callback queue
Route hardship, dispute or sensitive cases to the correct team.
What Artha must never improvise.
Useful automation is grounded, auditable and honest about when a person needs to take over.
No threats, humiliation, coercion or fabricated consequences.
No sensitive account disclosure before the required verification flow.
No payment promise is recorded unless the caller clearly states the amount or date.
The questions buyers ask first.
What does it cost?
Usage is measured in minutes of conversation, and the voice and model you choose change how quickly minutes are used. Telephony is billed separately by the provider you connect.
How pricing works
How much setup is it?
No code. Set the persona, prompt, voice and language, test it in the browser, then publish. Later changes apply from the next call.
Create an agent
Can a person take over?
On phone calls the agent can dial in the colleague you set and stay on until they answer. Website calls take a callback request instead.
Functions and transfer
What if it does not know?
With strict mode on, it quotes your approved answers and says it will check with the team when something is not covered, rather than guessing.
Knowledge baseStill deciding? Ask Artha yourself.
- No signup needed
- 5 free calls
- 130+ languages
Questions, answered.
The things people ask us most. If yours isn’t here, talk to us and a person will reply.
Ask us directlyYes. Each campaign uses an agent with a default language - Hindi, English or any of the other nine supported Indian languages - and the agent switches if the borrower answers in a different one, including everyday Hinglish.
Yes, once you set it up. Add a post-call data extraction field such as “promised payment date” or “promised amount”, and it is pulled from each call’s transcript, so your team gets a list of who promised what, and when.
RBI guidance limits recovery calls to between 8 am and 7 pm. Vistrow Voice lets you set the calling hours, active days and timezone, and blocks dials outside them, so you can set the window to match. Which rules apply to your loans is for your compliance team to confirm.
The agent adds the number to your Do-Not-Call list itself, and every later dial is checked against that list before it goes out. You can also block numbers by hand or bulk-import a list.
Yes. Set a transfer number and the agent dials your colleague into the call and stays on until they answer. It can also take a callback request with a preferred time, for disputes or hardship cases you want a person to handle.
Outbound campaigns are included on the Growth and Scale plans. Calls use credits by the minute; see the pricing page for plans and what is included.
Ready to try Artha for Finance & Collections?
Try Artha live in your browser, or book a walkthrough with our team.
- No signup needed
- 5 free calls
- 130+ languages