A comprehensive AI platform built for India's lending ecosystem — from WhatsApp-based lead warming and multilingual collections to underwriting co-pilots and NPA early warning systems.
India's NBFC sector manages assets of approximately ₹54 trillion, with digital lending projected to grow at 25% CAGR. Yet most customer interactions — from loan inquiries to collections — still rely on manual effort, generic scripts, and rigid IVR trees. Evitar replaces this with intelligent agents that converse naturally in regional languages, adapt to each borrower's context, and operate 24/7 across WhatsApp, voice, and web.
Capabilities
AI agents message prospective borrowers in their local language via text, images, and voice notes. They qualify leads, answer questions about loan products, and seamlessly hand off to sales when the prospect is ready.
Intelligent agents call or message customers with overdue payments, explain amounts in Kannada, Telugu, Hindi, or English, take payment commitments, send payment links, and escalate sensitively when needed.
AI reads bank statements, identifies income patterns for self-employed borrowers, flags red flags, and outputs repayment capacity scores — replacing hours of manual CA review per file.
When borrowers submit documents, AI instantly classifies them, validates completeness, and tells field agents exactly what's missing — eliminating days of back-and-forth.
AI monitors active loans for stress signals — NACH bounces, bureau triggers, irregular payments — and flags accounts 30–60 days before they become NPA so collections can intervene early.
Borrowers get instant answers on EMI schedules, outstanding balances, repayment history, and NACH status — in regional languages — dramatically cutting inbound call volume.
See how Evitar transforms NBFC operations. Get in touch and we'll show you what's possible.
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