AI calling for banks, NBFCs and lenders
Varsha, Twenty2's AI calling agent for BFSI, makes the high-volume calls lending runs on: pre-due and post-due EMI reminders, KYC chasers, disbursement updates and promise-to-pay follow-ups. Every call is recorded and transcribed, so your compliance team can review any conversation.
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SOC 2 Type 2 certified - Hinglish + 22 Indian languages
- From ₹4/min
Finance & Banking use cases
The calls Twenty2 handles, how each one works and what you get at the end of it.
EMI Reminders & Collections
Collections teams lose most of their day to calls nobody answers. Twenty2's assistant makes pre-due and post-due calls, reminds borrowers of the amount, captures a promise-to-pay date or the reason for delay and sends a payment link. Your agents step in only when a case needs them.
How it works
- EMI due or overdue
- Reminder call on schedule
- Paid, promise to pay or escalated
KYC & Re-KYC Follow-up
Applications stall when one document is missing and nobody calls about it. Our assistant reaches every applicant with pending KYC, tells them exactly which document is needed and how to submit it, and records when they plan to finish.
How it works
- KYC marked incomplete
- Call with the exact gap
- Customer commits to a time
Loan Application & Disbursement Updates
Borrowers who don't hear back assume the worst and apply elsewhere. Our assistant calls at each stage, from application received to sanction and disbursement, answers status questions and collects anything still pending, so fewer approved loans go unclaimed.
How it works
- Application changes stage
- Status call to borrower
- Pending items collected
Credit Card & Loan Lead Qualification
Leads from ads and partner portals are mostly cold or ineligible. Our assistant calls each one within minutes, checks intent, income range, city and employment type, and passes only eligible, interested applicants to your sales team with notes.
How it works
- Lead arrives from ad or portal
- Call within minutes
- Eligible leads routed to sales
Auto-debit & Payment Failure Follow-up
A bounced auto-debit is often a low balance or an expired e-NACH mandate, not a borrower who won't pay. Our assistant calls the same day, explains what failed and sends a link to pay or set up a fresh e-mandate before the account slips further behind.
How it works
- Auto-debit bounces
- Same-day call
- Paid by link or mandate renewed
Customer Activation
New customers open an account or receive a card, then never use it. Our assistant calls within days of onboarding, walks them through activation, PIN set-up or UPI linking, and flags anyone stuck so your branch or support team can follow up.
How it works
- Account opened or card delivered
- Activation call
- Activated or flagged to branch
Finance & Banking FAQs
The assistant follows the script, tone and calling window you set, and every call is recorded and transcribed for audit. Your compliance team approves the script. As a regulated entity, you remain responsible for meeting RBI's fair practices and recovery rules, including calling hours.
Twenty2 charges by the minute: ₹8/min on the pay-as-you-go Go plan and from ₹4/min on Enterprise. A 1–2 minute EMI reminder call works out to roughly ₹4–16 per connected call (illustrative, before retries). Unused minutes roll over with no expiry.
Twenty2 is SOC 2 Type 2 certified. Every call produces a recording, transcript and summary your team can review, and outcomes such as promise-to-pay dates can sync to Salesforce, HubSpot or Zoho, or to your loan system through APIs.