Recover More EMIs with Conversational AI
MaxMySales automates your entire EMI collection workflow — from WhatsApp reminders with one-tap payment links to AI voice calls for overdue accounts. Collect more, spend less, stay compliant.
Why EMI Collection Stays Inefficient
These are the systematic problems that keep collection rates low and NPA risk high for most lending institutions.
Low EMI collection rates
Borrowers who don't receive timely, personalised reminders simply forget — or deprioritise — their EMI payments.
Collection agents are expensive and limited
Manual calling requires large collection teams. At scale, human outreach is simply not cost-effective.
Late reminders increase NPA risk
If the first reminder reaches a borrower on Day 3 instead of Day 0, recovery rates drop significantly.
Low response rates on SMS and email
SMS open rates are below 20%. WhatsApp messages are read within 3 minutes on average — the difference is decisive.
No visibility into collection pipeline
No real-time view of which accounts are at risk, which have paid, and which need escalation.
Compliance risk with manual outreach
Manual calling at odd hours or by untrained agents creates compliance exposure. AI calling follows strict scripting and timing rules.
Automated EMI Recovery — From Due Date to Settled
MaxMySales handles every touchpoint in the collection journey — from the first polite reminder to the final AI call — without human involvement.
EMI due date triggers reminder
MaxMySales connects to your loan management system via API. When an EMI is due, the platform automatically sends a personalised WhatsApp message with the borrower's name, due amount and a payment link.
8 Features Built for Modern Collections
Every feature designed to maximise recovery rates while staying fully compliant with RBI and WhatsApp Business Policy.
Automated EMI Reminders
WhatsApp messages sent on Day 0 (due date), Day +1, Day +3 and Day +7 — with personalised borrower name, amount and payment link.
AI Voice Collection Calls
AI phone agents make soft collection calls in Hindi, English and regional languages — reminding borrowers of dues and offering payment options.
One-tap Payment Links
Every WhatsApp reminder includes a pre-filled payment link via Razorpay, PayU or your existing gateway — zero friction for the borrower.
Collection Pipeline Dashboard
Real-time view of all accounts — current, overdue by 1–7 days, 8–30 days, 30+ days. Agent assignment and escalation workflows built in.
Smart Escalation Flows
Accounts that don't respond to WhatsApp reminders are automatically escalated to AI calling, then to human agent queues — all in sequence.
Bulk Outreach Campaigns
Launch a collection campaign to all accounts due in the next 7 days — personalised messages, one-click payment, response tracking.
Compliance-First Outreach
AI calling follows RBI-compliant timing windows (no calls before 8 AM or after 7 PM), uses disclosed AI identity and enables opt-out.
NPA Early Warning System
Borrowers showing patterns of missed reminders or non-response are flagged early — before they become NPAs — for proactive outreach.
Built for Every Lending Segment
Whether you manage microloans or mortgages, MaxMySales adapts to your collection workflow.
NBFCs & Microfinance
High-volume, low-ticket loan portfolios where manual calling is cost-prohibitive. AI handles all reminders and first-touch collection calls at scale.
Buy Now Pay Later (BNPL)
BNPL borrowers expect digital-first communication. WhatsApp reminders with one-tap payment links drive the highest completion rates.
Home Loan & Mortgage
High-ticket, long-tenure loans where relationship matters. AI handles routine reminders; human agents handle high-risk accounts.
Vehicle Finance
Early-stage reminders and AI calling for vehicle loan EMI recovery. Escalation flows for accounts approaching repossession triggers.
Education Loans
Students and young borrowers are highly responsive on WhatsApp. Automated reminders with flexible payment options for education loan recovery.
MSME & Business Loans
Business owners are hard to reach by phone. WhatsApp communication and scheduled AI calls at business hours for MSME loan recovery.
From WhatsApp reminder to payment in under 30 seconds
MaxMySales sends personalised WhatsApp messages with borrower name, EMI amount, due date and a Razorpay/PayU payment link pre-filled with their account details. One tap. Payment done.
- ✅ Dynamic payment links per borrower
- ✅ Razorpay, PayU, CCAvenue integration
- ✅ Auto-confirms payment and stops reminders
- ✅ Payment receipts sent via WhatsApp
- ✅ All transactions logged to your LMS
Your EMI of ₹12,400 for Loan #FL-4821 is due today, 3rd June 2026.
Tap below to pay instantly and avoid a late fee.
Lending Teams That Transformed Collections
Our collection team was handling 8,000 accounts manually. We deployed MaxMySales AI calling and WhatsApp reminders, and within the first quarter, our Day-0 to Day-7 collection rate improved by 29%. The team now focuses only on accounts that have been through 2 rounds of AI outreach.
The one-tap Razorpay payment link inside the WhatsApp message was the biggest win for us. Borrowers could pay in 20 seconds without even opening a browser. Our digital payment rate went from 34% to 71% in 60 days.
RBI compliance was our biggest concern with AI calling. MaxMySales' solution only calls within permitted hours, clearly identifies itself as an AI, and gives borrowers a clean opt-out. We passed our RBI audit without any findings on our AI collection programme.
Common Questions from Collections Teams
Recover more EMIs. Spend less on collections. Stay compliant.
MaxMySales deploys in 24–48 hours. See a live demo of AI collection calling today.
No credit card · Compliant with RBI guidelines · English & Hindi