Adya for lenders
EMI reminders and collections that stay inside RBI's lines
Most overdue EMIs are forgotten, not refused. Adya reminds borrowers on WhatsApp with a payment link, follows up with a courteous call in their language, records the promise to pay, and routes hardship cases to your team.
Early-bucket collections are a volume problem
In the first days past due, most borrowers just need a reminder and an easy way to pay. Spending a collector's time on each of them is expensive, and the harder accounts wait.
The risk runs the other way too: a collector who calls at 9 pm, calls repeatedly or threatens puts your licence at risk. An AI agent says the same compliant thing every time and keeps a record of every call.
What Adya handles for lenders
One agent across phone calls, WhatsApp, website chat and email, with your team one click away.
Pre-due and due-date reminders
A utility reminder with the amount and a payment link. Paid links close themselves and cancel the remaining follow-ups.
Courteous follow-up calls
Borrowers who haven't paid get an AI call in their language that states the dues, offers the link again and asks when they can pay.
Promise-to-pay capture
The date and amount the borrower commits to are recorded as structured outcomes, ready for your collections system.
Hardship and disputes to humans
Job loss, illness, a disputed amount or a request for a person goes straight to your team with the transcript — the AI never negotiates or pressures.
What a conversation sounds like
An illustrative exchange in Marathi and Hindi. Adya says it is an AI, follows the caller's language, and writes the outcome back.
- AdyaNamaskar, mi Adya, Sahyadri Finance chi AI sahayak. Tumcha ₹4,250 cha EMI 5 tarkhela due hota. Tumhi aaj payment karu shakal ka?
- BorrowerIs mahine salary late aayi hai. 15 tarikh tak kar dunga.
- AdyaTheek hai, maine 15 tarikh ka promise note kar liya hai. Payment link WhatsApp pe bhej rahi hoon. Kisi madad ki zarurat ho to main aapko team se jod sakti hoon.
Rules that apply to lenders
Not legal advice — the rules we design around, with the source for each.
RBI: no calls before 8 am or after 7 pm[1]
RBI's August 2022 instructions bar recovery agents of banks, NBFCs and ARCs from calling borrowers before 8 am or after 7 pm, and from intimidation or misleading statements. Adya's quiet hours default to 10:00–19:00. A February 2026 RBI draft also proposes recording recovery calls; Adya records every call.
Service calls on the 1600 series[2]
TRAI mandates the 1600 number series for service and transactional calls by entities regulated by RBI, SEBI, IRDAI and PFRDA to their customers, so borrowers can tell a genuine call from a scam.
Borrower data under the DPDP Act[4]
Loan amounts and repayment status are personal data. Process them only for servicing the loan, and keep records on a defined retention period.
What it costs, worked out
Scenario: 2,000 EMI reminders a month on WhatsApp, with a 2-minute follow-up call to the 800 who haven't paid. Prices exclude GST.
Adya, billed by Amomic-AI
- Growth plan (500 min + 1 number included)₹7,999
- 1,100 call minutes × ₹6₹6,600
Telephony is in the per-minute rate. Chat, WhatsApp and email conversations come from the plan's allowance.
WhatsApp, billed by Meta at its own rates
- 2,000 utility messages × ₹0.115₹230
Adya adds no per-message fee. Meta invoices your WhatsApp Business account directly.
₹7.30 per account reminded.
See all plansQuestions from lenders
Yes, within the same rules as human agents. RBI bars recovery calls before 8 am and after 7 pm and any intimidation. Adya calls within 10:00–19:00 by default, uses the same courteous script every time and records every call.
Adya records the reason and a promise-to-pay date if offered. Hardship, disputes or a request for a person go to your team with the transcript; the AI never negotiates terms or applies pressure.
TRAI mandates the 1600 series for service and transactional calls by entities regulated by RBI, SEBI, IRDAI and PFRDA. Promotional offers use the 140 series.
Yes. Reminders carry a Razorpay payment link, or plain UPI and a QR code. A paid link closes itself and cancels the remaining follow-ups.
WhatsApp reminders to 2,000 borrowers and 2-minute calls to 800 of them come to ₹14,599 a month on Adya Growth plus GST — about ₹7.30 per account — with Meta billing about ₹230 for the messages.
Sources
Reviewed . Adya prices from our pricing page.
- 1.Business Standard — RBI directs loan recovery agents not to intimidate borrowers, no calling before 8 am, after 7 pm (12 August 2022)
- 2.TRAI — Telecom Commercial Communications Customer Preference (Amendment) Regulations, 12 February 2025
- 3.Upstox News — RBI draft recovery norms: calls 8 am–7 pm, recorded (February 2026 draft)
- 4.The Digital Personal Data Protection Act, 2023 (via PRS Legislative Research)
Other industries
Hear Adya answer your own customers
Free plan, no card. Start on website chat today and add WhatsApp and calls when you are ready.