How does QIXS.AI enforce RBI anti-harassment guidelines and TRAI quiet hours?

QIXS.AI strictly enforces programmatic calling windows between 9:00 AM and 8:00 PM IST. The AI operates with calibrated empathetic speech models that adhere to RBI Fair Practices Codes, prohibiting abusive language, repetitive aggressive dialing, or unauthorized contacts.

How are dynamic UPI payment links generated and pushed to borrowers during the call?

When a borrower agrees to clear their dues, QIXS.AI connects to Razorpay or Cashfree APIs to generate a unique UPI payment intent link with pre-filled loan account ID and settlement amount, pushing it directly over official WhatsApp Meta Cloud API in real-time.

What calling number series is utilized for collections outreach?

All collections and service calls are routed over certified 160-series transactional SIP trunks with DLT registration, ensuring high trust caller identification and complete immunity from Truecaller spam categorization.

How does the AI handle financial hardship claims or repayment disputes?

The AI captures hardship reasons (e.g., job loss, medical emergency), records reason codes in your Loan Management System (LMS), and triggers an immediate warm transfer to a specialized human credit manager with live transcript Screen-Pop.

What is the recovery rate lift on Bucket 0 and Bucket 1 delinquency?

BFSI clients report a 35% to 42% lift in early-stage on-time EMI recovery and a 75% reduction in third-party agency collection commissions by deploying QIXS.AI autonomous soft collection reminders.

COLLECTIONS TELEPHONY · BUCKET 0/1 RECOVERY · TRAI & RBI COMPLIANT

Autonomous Debt Collection & Empathetic EMI Reminder Voice AI

Improve loan repayment recovery rates while preserving customer dignity. QIXS.AI deploys empathetic Debt Collection and EMI Reminder voice agents for NBFCs and fintech lenders. Automate Bucket 0 and Bucket 1 reminders, trigger instant WhatsApp Payment Link notifications via UPI, and strictly adhere to TRAI quiet hours and RBI guidelines.

Deploy Collections Agent Free → Dial Live Collections Demo: (+1) 877-589-9631

Bucket 0/1 Resolution Rate

+ 41% Lift

Empathetic pre-due reminder calls drive immediate on-time UPI settlements.

Agency Commission Savings

75% Lower

Replaces expensive third-party collection agencies with autonomous AI calling.

Calling Hours Compliance

100% TRAI & RBI

Strict programmatic fail-closed enforcement between 9:00 AM and 8:00 PM IST.

Calling Number Infrastructure

160 Series SIP

Certified transactional caller IDs with automated DLT header validation.

[ 01 / LIVE CONVERSATION DEMO ]

Empathetic Soft EMI Reminder & Instant UPI Payment Flow

Experience how QIXS.AI preserves borrower dignity and achieves instant digital payment resolution.

CALL ROUTING: 160-SERIES TRANSACTIONAL SIP · CODEC: G.711 / OPUS · PII MASKING: ACTIVE

LATENCY: 610MS (p50)

AI (Kavita)

"Namaste Mr. Gupta! Main Kavita bol rahi hoon Apex Lending se. Yeh ek gentle reminder hai aapke Personal Loan account ending in 7102 ke regarding. Aapka monthly EMI amount ₹6,200 kal due hai. Kya aapne account mein sufficient balance maintain kar liya hai?"

Borrower

"Haan, par main office mein busy hoon toh branch ya netbanking login nahi kar paunga. Kya online UPI payment link mil sakta hai?"

AI (Kavita)

"Sure Gupta ji! Main abhi aapke WhatsApp number par Razorpay instant UPI link bhej rahi hoon. Aap Google Pay ya PhonePe se bina kisi extra charge ke 1-click mein pay kar sakte hain. Kya aapko WhatsApp message deliver hua?"

Borrower

"Haan message aa gaya. Main abhi pay kar deta hoon. Thank you for the quick link."

AI Action

[SYSTEM EVENT]: Razorpay UPI intent link generated for ₹6,200 · WhatsApp message delivered via Meta Cloud API · LMS status tagged: 'PTP - Link Sent' · DoT 2-year CDR log created in AWS Mumbai.

[ 02 / COLLECTIONS CAPABILITIES ]

Empathetic & Compliant Debt Recovery Features

CAPABILITY 01

Pre-Due Bucket 0 Courtesy Reminders

Dials borrowers 3-5 days before NACH auto-debit dates, verifying account balances and preventing costly bank bounce fees.

CAPABILITY 02

Bucket 1 Soft Delinquency Recovery

Conducts polite, non-confrontational outreach for 1-30 DPD overdue loans, offering flexible payment dates and instant UPI links.

CAPABILITY 03

Instant Razorpay & Cashfree UPI Links

Pushes dynamic payment links with pre-filled account IDs directly to WhatsApp while the borrower is on the line.

CAPABILITY 04

TRAI 160-Series SIP Routing

Complies with TRAI directives using registered 160-series transactional caller IDs with 100% immunity from Truecaller spam tagging.

CAPABILITY 05

DoT 2-Year Immutable CDR Logs

Preserves 24-month immutable WORM Call Detail Records and audio recordings in sovereign Indian AWS Mumbai data centers.

CAPABILITY 06

Hardship Escalation Warm Transfer

Bridges distressed or disputing borrowers directly to senior credit resolution officers with live Screen-Pop and structured LMS notes.

[ 03 / FREQUENTLY ASKED QUESTIONS ]

Debt Collection Telephony Questions Answered

QIXS.AI uses calibrated empathetic system prompts strictly aligned with RBI Fair Practices Codes. The AI never threatens legal action or raises voice tone, focusing on supportive solutions, installment restructuring, and instant digital payment assistance.

The AI captures the exact promised date and amount, updates your Loan Management System (LMS) in real-time, sends a WhatsApp confirmation with a payment link, and schedules a soft automated follow-up call on the promised date.

Our telephony gateway enforces a programmatic fail-closed lock. Outbound calls are permitted strictly between 9:00 AM and 8:00 PM IST based on recipient timezone geolocation, eliminating regulatory non-compliance risks.

Yes. QIXS.AI features plug-and-play REST APIs and webhooks for Finone, LeadSquared BFSI, Perfios, Pennant, Zoho CRM, and Salesforce Financial Services Cloud.

Pricing is transparent INR billing at ₹999/month plus ₹4.50/minute of actual call time. There are no recovery commission percentages or seat licenses, delivering over 75% cost savings compared to traditional collection agencies.

TRANSFORM YOUR LOAN RECOVERY PIPELINE

Empathetic, TRAI-Compliant Debt Recovery Voice AI

Boost Bucket 0/1 recoveries by 40%+ while ensuring 100% RBI compliance. Start your free trial.

Start Free Trial → Dial Demo Agent: (+1) 877-589-9631