FormantAI
Debt collection call scripts that stay polite.
Three sample scripts by bucket, in English and Hinglish. Firm where needed, never threatening.
Five rules every collection script follows
- Say who is calling and why. Name, lender, purpose — and, for an AI agent, that it is an automated assistant.
- Verify identity before any detail. Never discuss the loan with anyone but the borrower.
- Read facts from the system. Amount, due date and charges exactly as recorded — never estimated.
- Offer a way to pay, and a way to talk. Payment link or branch, plus a human if there is a dispute or hardship.
- No threats, no pressure, permitted hours only. See the RBI recovery agent guidelines.
A reminder, not a demand.
Good morning, this is Riya, an automated assistant calling from [Lender]. Am I speaking with Mr Sunil Kumar?
Yes, speaking.
Thank you. This is a reminder that your EMI of ₹4,850 is due on the 5th. Your auto-debit is active, so please keep the balance in your account. Would you like the payment link on WhatsApp as a backup?
No, it's fine, the money is there.
Great, thank you Mr Kumar. Have a good day.
Namaste, main Riya bol rahi hoon, [Lender] ki automated assistant. Kya main Sunil ji se baat kar rahi hoon?
Haan, boliye.
Sunil ji, aapki ₹4,850 ki EMI 5 tareekh ko due hai. Auto-debit active hai, bas account mein balance rakhiyega. Kya main backup ke liye payment link WhatsApp par bhej doon?
Haan bhej do.
Bhej diya. Shukriya Sunil ji, aapka din shubh ho.
Explain once. Capture a date.
Hello, this is Riya, an automated assistant from [Lender]. Am I speaking with Ms Priya Sharma?
Yes.
Ms Sharma, your EMI of ₹6,200 due on the 5th was not received because the auto-debit was returned. Could you pay today by UPI, or would another date work better?
I can pay on the 12th.
Thank you. I've noted the 12th and I'm sending a payment link on WhatsApp. If anything changes, you can reply there or ask for a call back.
Namaste, main Riya, [Lender] ki automated assistant. Kya main Priya ji se baat kar rahi hoon?
Haan.
Priya ji, aapki 5 tareekh ki ₹6,200 ki EMI auto-debit return hone ki wajah se nahi aa payi. Kya aap aaj UPI se pay kar payengi, ya koi aur date theek rahegi?
12 tareekh ko kar dungi.
Theek hai, maine 12 tareekh note kar li hai aur payment link WhatsApp par bhej rahi hoon. Shukriya.
When to stop and hand over.
If the customer disputes the amount, mentions job loss or illness, sounds distressed, or uses legal language, the script stops collecting and transfers to a trained person — with the transcript.
I lost my job last month, I can't pay right now.
I'm sorry to hear that, and thank you for telling me. I'd like to connect you to a colleague who can talk about options. Is that alright?
Okay.
Names, amounts and dates are illustrative. Replace [Lender] with your brand only where your disclosures allow. Scripts should be reviewed by your compliance team.