Industry use case · 6 min read
Tier-2 NBFCs can’t afford to verify every application by phone. AI calling brings the cost down 95%.
Indian NBFCs run on volume. A Tier-2 unsecured-lending NBFC can receive 11,000 applications a month — and verify only 1,500 of them by phone, because verification calls cost ₹40 each in human labour. The other 9,500 leak; some are fraud, some are real, none get the right second touch.
An AI Consultant agent (Rohan template) handles the pre-screen at scale. Diagnostic conversation: confirms employment, monthly income, EMI commitments, and the basic eligibility math. Adds soft questions about why they need the loan — colour the application data with intent signal.
Banned-phrase enforcement on every call. PII redaction on stored transcripts. HMAC-signed webhooks back to the loan-management system. The compliance officer can audit any call by reading the transcript with PII stripped. The legal-evidence audio is preserved for the retention window.
Net result for one Tier-2 NBFC pilot: pre-screen coverage up from 14 % to 92 % of applications, at 7 % of the per-application cost.
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