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Telvanta
FOR FINANCIAL SERVICES

Smarter Lending.
Timely Collections.

Healthier Portfolios.

Telvanta.ai helps financial institutions automate loan communication, improve repayment behavior, and recover dues faster with AI-powered outreach across voice, SMS, WhatsApp, email, and more.

A phone showing an EMI reminder with a Pay Now button, wired out to WhatsApp, SMS, email, voice call, IVR and in-app.

The impact you can achieve

Higher Collection RatesRecover dues faster with intelligent automation.
Lower DelinquencyReduce DPD and improve loan portfolio health.
Better Borrower ExperienceCommunicate respectfully and on borrower’s preferred channel.
Lower Operating CostAutomate repetitive tasks and reduce manual effort.
Full ComplianceMaintain audit trails and stay compliant with regulations.

Key Results for Financial Services

2.5xImprovement in Collection Rate
40%Reduction in DPD 30+
60%Reduction in Manual Outreach Effort
30%Lower Cost per Collection
80%+Message Delivery Rate
25%Higher Borrower Engagement

*Based on Telvanta.ai customer data

Multi-Channel Outreach

Reach borrowers on their preferred channel at the right time.

AI-Powered Segmentation

Segment borrowers by risk, behavior, and repayment ability.

Payment Reminders

Automate EMI due, overdue, and payment confirmation messages.

Promise to Pay Tracking

Capture commitments and follow up automatically until closure.

Collections Automation

Escalate cases, reduce DPD faster and improve recovery rates.

Real-time Insights

Monitor performance, recovery metrics and agent productivity.

How Loan & Collections Works

Identify Borrower

Fetch loan & repayment data from core banking / loan system.

Segment & Prioritize

AI prioritizes accounts based on DPD, amount, and risk score.

Send Communication

Send reminders via SMS, WhatsApp, voice, email or in-app.

Capture Response

Track responses, payment commitments or queries in real-time.

AI Follow-up

AI bot or agent follows up automatically based on response or no response.

Escalate if Needed

High-risk or overdue accounts escalate to agents or legal team.

Recover & Analyze

Collect payments, update account status and analyze performance.

Popular Use Cases

EMI Reminders

Send timely EMI due reminders to reduce delinquencies.

Overdue Collections

Automate overdue notices and follow-ups to recover dues faster.

Promise to Pay Follow-ups

Capture borrower promises and auto follow-up until payment.

Payment Confirmations

Instant payment updates and receipts across channels.

Loan Disbursal Updates

Notify customers at every step from approval to disbursal.

Cross-sell & Upsell

Identify eligible borrowers and promote suitable loan or product offers.

Legal & Escalation Alerts

Alert legal or field teams for critical or high-risk accounts.

Borrower Engagement

Improve borrower engagement and build long-term relationships.

Loan & Collections Analytics Overview

Total Accounts128,45018% vs last 30 days
Collection Rate78.6%12% vs last 30 days
Recovered AmountNPR 45.8M22% vs last 30 days
DPD 30+ Reduction36%14% vs last 30 days
Promise to Pay Kept62%16% vs last 30 days
Cost per CollectionNPR 42.526% vs last 30 days

Collection Rate Over Time

100%75%50%25%
May 5May 12May 19May 26Jun 2

Channel Performance

WhatsApp42%
SMS25%
Voice Call15%
Email10%
In-App8%

Top Campaigns

EMI Reminder35.6%
Overdue Notice22.4%
Payment Confirmation16.8%
P2P Follow-up14.1%
Legal Notice11.1%

Telvanta.ai has transformed our collections process. We recover faster, engage better, and our customers appreciate the timely and respectful communication.

Sandeep ChaudharyHead of CollectionsReliable Finance Ltd.

Seamlessly Integrates With Your Systems

FinacleTallyInfosys FinaclesalesforceMicrosoft 365Twilioand more

Frequently Asked Questions

Ready to improve collections and strengthen portfolios?

Automate reminders, recover dues faster and build better borrower relationships.

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