Trusted by 60+ enterprises across India
Sprio is an AI-powered voice bot built for India's banks, NBFCs and financial services firms. Automate EMI reminders, SIP lapse recovery, KYC re-verification, policy renewals and loan cross-sell calls at scale. Hindi and regional language support. TRAI-compliant. Connects to Finacle, FLEXCUBE and Temenos.
A trained collections agent makes 200 to 400 outbound calls per day. During EMI due-date weeks, loan disbursement seasons or SIP mandate renewal cycles, the number of customers who need to hear from you multiplies overnight. There is no way to staff up fast enough to match demand, and your customers notice the silence.
Salaried borrowers are at their offices between 9 AM and 6 PM. They answer calls in the evening, after dinner, and on weekends. Manual teams work business hours. The mismatch means reminder calls are placed at the wrong time, pick-up rates are low, and EMI defaults that could have been prevented slip through.
An experienced collections or servicing agent is most valuable when handling disputes, restructuring requests and complex customer escalations. Instead, most of their day goes to reading scripts for routine EMI reminders, SIP renewal calls and KYC follow-ups. The result is high attrition in exactly the roles your business cannot afford to lose.
Sprio connects to the tools your team already uses, so leads, orders and updates flow in on their own.
This is what the daily reality looks like for a bank or NBFC that moves its customer outreach from a manual calling team to Sprio's voice AI.
EMI reminders on due date only. Called once, on the morning the payment is due. Customers who missed the day before get no advance warning.
Collections team limited to 200-400 calls per agent per day. During peak EMI cycles, thousands of accounts go unreached.
SIP lapse is detected after the mandate fails. Recovery then requires a fresh mandate application, which borrowers often delay.
Calls placed only during business hours. Salaried customers are at work. Pick-up rates are low. Callbacks are rarely returned.
KYC re-verification builds up into a backlog. Manual calling for re-KYC takes weeks when batched against a large portfolio.
Policy renewal reminder is a single call. If the customer does not pick up, the policy lapses with no further follow-up.
No call recording trail for compliance. If a customer disputes a recovery conversation, there is no structured archive to reference.
Agents call in Hindi or English only. Customers from Tamil Nadu, Andhra Pradesh or Maharashtra struggle with agents who do not speak their language.
EMI reminders at 7 days, 3 days and 1 day before due date. Three-touch reminder sequence that catches most defaults before they happen.
Thousands of calls per day, per campaign. Sprio scales to your portfolio size without adding headcount.
SIP mandate checked 3 days before due date. Recovery call made before the lapse, not after. AUM stays under management.
Calls go out in the evening and on weekends. Pick-up rates improve because Sprio calls when customers are actually available.
KYC re-verification triggered by workflow, completed within the day. No backlogs. No manual scheduling. Every eligible account called automatically.
Policy renewal sequence: 30 days, 15 days, 7 days before expiry. Multiple automated touchpoints, each with a payment link included.
Every call recorded, transcribed and archived automatically. Full audit trail available for regulatory and compliance review at any time.
Calls in Hindi, Hinglish, Tamil, Telugu, Kannada, Marathi, Bengali and English. Customers hear Sprio in the language they are most comfortable with.
Each agent in Sprio's smart banking AI platform handles a specific customer journey end to end, from the opening call to payment confirmation, escalation or hand-off to your team.
Calls mutual fund investors 3 days before their SIP due date when the mandate is about to lapse. Explains the consequence of missing the SIP, offers a payment link to top up the source account and re-activates the mandate, recovering AUM that would otherwise be lost.
Talk to the team →Calls borrowers 7 days before EMI due date with a friendly, non-aggressive reminder. Handles payment queries, offers restructuring options if the borrower raises a hardship, and collects payment via a payment link during the same call, preventing NPAs before they appear on the books.
Talk to the team →Handles periodic KYC re-verification calls as required by SEBI for investment accounts and by RBI for banking customers. Validates identity information, explains the documents required, gives the customer the choice of in-branch or video KYC, and sends reminders until the verification is complete.
Talk to the team →Calls new cardholders who have not made their first transaction within 14 days of card issuance. Explains the card's benefits, offers an activation incentive, answers queries about credit limits and billing cycles, and increases first-use rates, which has a direct impact on interchange revenue for the issuing bank.
Talk to the team →Notifies policyholders 30, 15 and 7 days before policy renewal. Significantly reduces lapse rates by explaining coverage benefits, addressing objections to premium increases, providing a direct payment link during the call and confirming the renewal once payment is made.
Talk to the team →Identifies borrowers with a good repayment history and calls to offer a pre-approved loan top-up. Explains the top-up terms, collects intent, answers questions about interest rates and tenure, and schedules a callback from your loan officer for final processing, making the entire cross-sell fully automated.
Talk to the team →For Indian banking and NBFC customers, WhatsApp is not a backup channel. It is the primary screen they check all day. Sprio's WhatsApp agent works alongside the voice agent so every touchpoint in the collections and servicing journey is covered.
A voice call reaches a customer in the moment. A WhatsApp message stays in their chat thread, ready to act on when they are ready. For EMI payment, document submission and SIP top-up, this difference in timing matters a great deal.
Sprio's WhatsApp agent for banking handles the full follow-up layer: sending payment links after a voice call, sharing loan documents for review, collecting KYC images without a branch visit, and nudging borrowers who picked up the call but have not yet paid.
After a voice call reminder, Sprio sends a direct UPI or net banking payment link to the borrower's WhatsApp. One tap to pay, without navigating to a website or app. The payment confirmation comes back to your CRM automatically.
CollectionsLoan sanction letters, repayment schedules and NOC documents are shared on WhatsApp as PDFs. Customers sign and return via WhatsApp. No need for a branch visit or courier. Faster loan disbursement and fewer drop-offs at the documentation stage.
Loan ServicingSprio's WhatsApp agent guides customers through the KYC document upload process in Hindi or their regional language. Customers photograph their Aadhaar, PAN and address proof and send them directly via WhatsApp. The files land in your back-office system automatically.
KYCWhen the voice agent detects a SIP at risk, Sprio also sends a WhatsApp message with the account top-up link and exact amount needed. Investors who missed the call can act on the WhatsApp notification at their convenience, within the intervention window.
SIP RecoveryInsurance policy renewals are communicated via both voice and WhatsApp. The WhatsApp message carries the renewal summary, premium amount and a direct payment link. Customers who prefer reading over listening can complete the renewal entirely on WhatsApp.
RenewalsEMI debit confirmations, SIP mandate execution alerts and loan account statements are delivered on WhatsApp. Customers can reply to check their outstanding balance, next due date or request a callback. These replies are handled by Sprio's WhatsApp AI, not a human agent.
ServicingVoice and WhatsApp work together in every Sprio workflow. A voice call places the reminder. A WhatsApp message carries the payment link. A second voice call follows up if payment has not been made. A WhatsApp receipt confirms the debit. This multi-touch sequence is what moves a borrower from "reminded" to "paid" in the same billing cycle. Learn more about Sprio's WhatsApp Agent →
Every number below is grounded in what automated voice AI makes possible, not projections.
Walk through a typical SIP recovery call so you can see exactly what Sprio does and when.
The call opens by addressing the investor by name and mentioning the specific SIP and amount due. No generic scripts.
Sprio explains the consequence of a missed SIP on the portfolio, briefly and simply, in the investor's language.
The investor tops up the source account via the payment link. Sprio confirms the credit and closes the loop.
A second call is placed the next morning, and the investor's record in your CRM is updated with the outcome notes.
A SIP that lapses once does not always restart. The investor loses compounding, the AMC or distributor loses AUM, and the recovery process requires a fresh mandate with fresh signatures. Sprio prevents the lapse from happening in the first place.
Sprio is built for Indian BFSI teams. As one of the top AI companies providing voice automation services to Indian banks and NBFCs, Sprio is designed so setup does not require a large IT project. Here is what going live looks like.
Sprio integrates with Finacle, FLEXCUBE, Temenos T24 and custom CBS via REST API. Your CRM, NACH and loan management systems connect in the same step.
The Sprio team configures conversation scripts for each agent type. Your compliance and operations team reviews and approves every script before any call goes out. Research on trust in automation finds that users calibrate their reliance on a system far more accurately when they have visibility into how it operates and why (Lee and See, 2004). Script sign-off gives your team exactly that visibility.
Sprio scrubs every outbound list against the TRAI DND and NDNC registry automatically before a campaign launches. No manual check needed on your side.
Sprio calls go out. Your team watches live call outcomes, listens to recordings, reviews transcripts and sees CRM updates happen automatically as each call completes.
AI voice automation in banking is only useful if it stays on the right side of regulators. Sprio is built with compliance at the center, not bolted on as an afterthought.
Every outbound call list is scrubbed against the TRAI DND and NDNC registry before the campaign runs. DND-registered numbers are excluded from promotional campaigns automatically. Transactional and service calls follow the exemption provisions under TRAI regulations.
Recovery and collections calls via Sprio are scripted to align with the RBI Fair Practices Code (NBFC Directions, 2023) for lenders. No aggressive or coercive language. No calls at prohibited hours. Sprio's scripts are reviewed by your compliance team before going live.
For SIP recovery, KYC re-verification and investment-related calls, Sprio's scripts are aligned with SEBI's guidelines for investor communications. Required disclosures are included in the call flow. Your compliance team has full visibility and sign-off before deployment.
Sprio's data handling is built around the principles of the Digital Personal Data Protection Act, 2023. Customer data is used only for the purpose of the call. Call recordings are archived for audit. Opt-out requests are processed at the point of the call.
Research in AI trustworthiness identifies auditability, fairness and data accountability as the foundational properties users need before they can place genuine trust in an AI system (Toreini et al., 2019). The four compliance measures above are designed directly around these same properties.
Sprio is a smart banking AI platform that works with your existing core banking, CRM and payment infrastructure. No rip-and-replace required.
Sprio automates the full range of outbound and inbound voice calls for BFSI: EMI and loan repayment reminders at 7, 3 and 1 day before due date; SIP lapse detection and recovery calls before the mandate fails; KYC re-verification as required by SEBI; credit card first-use activation calls; policy renewal reminders at 30, 15 and 7 days before expiry; loan top-up cross-sell for eligible borrowers; and general inbound servicing for balance queries, EMI status and payment confirmation.
Yes. Sprio scrubs all outbound lists against the TRAI DND and NDNC registry before every campaign. Call language and messaging is aligned with RBI Fair Practices Code guidelines for collections and recovery. For investment-related communications, Sprio follows SEBI guidelines. All calls are recorded and archived for audit purposes. The team can walk you through the compliance configuration for your specific regulatory context.
Yes. Sprio's voice AI understands and responds in Hindi, Hinglish and English, and supports regional Indian languages including Tamil, Telugu, Kannada, Marathi and Bengali. For a financial services firm with customers across India, this means the AI speaks to each customer in the language they are most comfortable with, improving pick-up rates and payment conversion. Contact the team for confirmation on support for additional regional languages relevant to your geography.
Sprio integrates with core banking systems including Finacle by Infosys, Oracle FLEXCUBE and Temenos T24 via REST APIs. It also connects with CRM platforms commonly used by Indian NBFCs, including Salesforce, Zoho CRM, Freshworks and LeadSquared, as well as NACH via NPCI for payment confirmation and mandate management. For custom CBS setups, the Sprio team provides dedicated integration support tailored to your architecture.
Sprio detects escalation intent in real time. When a customer asks to speak to a person, expresses distress, or raises a complaint that falls outside the agent's scope, Sprio immediately transfers the call to a live agent. The full transcript of the Sprio conversation is already on the agent's screen when the transfer lands, so the customer does not have to repeat themselves and the human agent can go straight to resolution. Research on algorithm aversion has found that users lose trust in automated systems far more sharply after a single perceived error than they gain it from many successful interactions (Dietvorst, Simmons and Massey, 2015). Sprio's escalation design is built to protect the customer relationship at exactly the moments when it matters most.
Sprio scrubs every outbound list against the TRAI DND and NDNC database before a campaign runs. DND-registered numbers are automatically excluded from marketing and promotional campaigns. Transactional and service calls, such as EMI reminders for existing borrowers, follow the separate exemption rules under TRAI regulations. The Sprio team advises on the correct message category for your specific use case so your compliance exposure is minimised.
For standard use cases like EMI reminders or policy renewals, Sprio can be configured and live within a few weeks. The timeline depends on the complexity of your CBS integration and the number of conversation flows you want to deploy. The Sprio team handles the integration and configuration. Your compliance and operations teams review and approve the conversation scripts. You go live only when everything is confirmed.
IVR (Interactive Voice Response) is the menu-driven phone system banks have used since the 1980s: press 1 for balance, press 2 for transactions, press 3 for EMI status. The customer navigates a fixed menu tree, and the call either ends in self-service or a transfer to a human agent. IVR handles inbound enquiries only, cannot initiate an outbound call with personalised context, and breaks down the moment a customer says something the menu did not anticipate.
Sprio is a conversational AI voice agent. It holds a two-way spoken conversation in Hindi, Hinglish or English; understands what the customer says in plain language rather than key presses; pulls live data from your core banking system mid-call (EMI amount, due date, outstanding balance); and can handle outbound calls at scale, calling 10,000 customers with personalised reminders in the time it takes an IVR to handle its morning inbound queue. For Indian banks and NBFCs moving beyond IVR, Sprio is the direct replacement for both inbound self-service and outbound calling operations.
Yes. KYC re-verification is one of the most common use cases for AI calling in Indian banking. Sprio calls every customer whose KYC is expiring, confirms their details over the phone, and guides them through the next steps: visiting a branch, uploading documents on the app, or confirming information verbally. For video KYC, Sprio sends a follow-up SMS or WhatsApp link immediately after the call.
Sprio makes pre-due and post-due outbound calls to borrowers. Pre-due calls go out 3 to 5 days before the EMI date to remind borrowers of the amount and payment options. Post-due calls go out on day 1 of delinquency with a soft prompt to pay. Each call is personalised with the borrower's name, loan ID, and exact overdue amount pulled from your CBS or LMS in real time. Escalation to a human collections agent is triggered at a configurable point in the delinquency cycle.
Yes. Sprio integrates with Finacle, Temenos, FinnOne, Nucleus, and custom CBS systems via REST API or database connector. During a call, the AI queries the CBS for live account data and quotes the exact outstanding amount, last payment date, and available limit to the customer. No data is pre-exported or cached in Sprio's system beyond what is needed for the active call.
A chatbot communicates by text, requires a smartphone and data connection, and is limited to customers who actively open your app or website. An AI voice agent calls the customer directly on any phone, speaks in their language, and does not require any action from the customer to initiate contact. For EMI collection, insurance renewal, and scheme eligibility verification, voice reaches customers who will never open an app, at a fraction of the cost of a human agent.
Escalation rules are fully configurable. You define the triggers: a customer asking for a waiver, raising a complaint, expressing repeated frustration, or requesting a manager. When a trigger is met, Sprio either transfers the call live to an available human agent, schedules a callback, or sends an alert to your team with the call transcript. The human agent receives full context before picking up so the customer does not have to repeat themselves.
Book a 30-minute session with the Sprio BFSI team. We will show you a live demo using your actual use case, whether that is EMI reminders, SIP recovery, KYC calls or policy renewals. No slides. No generic product tour.
Or email us directly at connect@sprio.ai
