Sonex Labs

Free call-script template

EMI Reminder call script

Remind a borrower of an upcoming EMI before the due date, and confirm how they will pay.

Use this in Sonex FlowsRead the script

When to call

Three to five days before the due date, and again the day before.

Words in {braces} are filled in from your CRM for each call. Lines in [brackets] are the customer's answer.

Hindi

  1. नमस्ते {name} जी, मैं {lender} से {agent_name}। यह कॉल आपकी EMI के बारे में है।
  2. आपकी {amount} रुपये की EMI {due_date} को देय है। क्या उस तारीख तक भुगतान हो पाएगा?
  3. [हाँ] बहुत अच्छा। आपके खाते से ऑटो-डेबिट होगा, बस {due_date} से पहले खाते में बैलेंस रखिए।
  4. [नहीं/मुश्किल] कोई बात नहीं। क्या मैं आपको भुगतान का लिंक SMS पर भेज दूँ, या हमारी टीम आपसे बात करे?
  5. धन्यवाद {name} जी, आपका दिन शुभ हो।

English

  1. Hello {name}, this is {agent_name} calling from {lender} about your EMI.
  2. Your EMI of {amount} rupees is due on {due_date}. Will you be able to pay by then?
  3. [Yes] Great. It will be auto-debited, so please keep the balance in your account before {due_date}.
  4. [No/difficult] That's all right. Shall I send you a payment link by SMS, or have our team call you?
  5. Thank you, {name}. Have a good day.

Tamil

  1. வணக்கம் {name}, நான் {lender}-லிருந்து {agent_name} பேசுறேன். உங்க EMI பத்தி கால் பண்ணியிருக்கேன்.
  2. உங்க {amount} ரூபாய் EMI கட்ட வேண்டிய தேதி {due_date}. அதுக்குள்ள கட்ட முடியுமாங்க?
  3. [ஆமாம்] ரொம்ப நல்லது. உங்க அக்கவுண்ட்ல இருந்து ஆட்டோ-டெபிட் ஆயிடும், அதனால {due_date}-க்கு முன்னாடி அக்கவுண்ட்ல பேலன்ஸ் வெச்சுக்கோங்க.
  4. [இல்லை/கஷ்டம்] பரவாயில்லைங்க. பேமெண்ட் லிங்க்கை SMS-ல அனுப்பட்டுமா, இல்லன்னா எங்க டீம்ல இருந்து உங்களுக்கு கால் பண்ண சொல்லட்டுமா?
  5. நன்றிங்க {name}. உங்க நாள் நல்லா அமையட்டும்.

Telugu

  1. నమస్కారం {name} గారు, నేను {lender} నుంచి {agent_name} మాట్లాడుతున్నాను. మీ EMI గురించి కాల్ చేశాను.
  2. మీ {amount} రూపాయల EMI కట్టాల్సిన తేదీ {due_date}. అప్పటిలోగా కట్టగలుగుతారా?
  3. [అవును] చాలా మంచిది. మీ అకౌంట్ నుంచి ఆటో-డెబిట్ అవుతుంది, కాబట్టి {due_date} కంటే ముందే అకౌంట్‌లో బ్యాలెన్స్ ఉంచండి.
  4. [లేదు/కష్టం] పర్వాలేదండి. పేమెంట్ లింక్ SMS లో పంపమంటారా, లేదా మా టీమ్ నుంచి మీకు కాల్ చేయించమంటారా?
  5. ధన్యవాదాలు {name} గారు. మీ రోజు బాగుండాలి.

Bengali

  1. নমস্কার {name}, আমি {lender} থেকে {agent_name} বলছি। আপনার EMI-এর ব্যাপারে ফোন করেছি।
  2. আপনার {amount} টাকার EMI {due_date} তারিখে দেওয়ার কথা। ওই তারিখের মধ্যে পেমেন্ট করতে পারবেন তো?
  3. [হ্যাঁ] খুব ভালো। এটা অটো-ডেবিট হয়ে যাবে, শুধু {due_date}-এর আগে অ্যাকাউন্টে ব্যালেন্স রেখে দেবেন।
  4. [না/অসুবিধা] কোনো ব্যাপার না। আমি কি আপনাকে SMS-এ পেমেন্টের লিংক পাঠিয়ে দেব, নাকি আমাদের টিম আপনাকে ফোন করবে?
  5. ধন্যবাদ {name}, আপনার দিনটা ভালো কাটুক।

Marathi

  1. नमस्कार {name} जी, मी {lender} मधून {agent_name} बोलत आहे. तुमच्या EMI बद्दल कॉल केला आहे.
  2. तुमचा {amount} रुपयांचा EMI {due_date} ला भरायचा आहे. त्या तारखेपर्यंत पेमेंट करता येईल ना?
  3. [हो] छान. तो ऑटो-डेबिट होईल, फक्त {due_date} च्या आधी खात्यात बॅलन्स ठेवा.
  4. [नाही/अडचण] काही हरकत नाही. मी तुम्हाला SMS वर पेमेंटची लिंक पाठवू का, की आमची टीम तुम्हाला कॉल करेल?
  5. धन्यवाद {name} जी, तुमचा दिवस छान जावो.

EMI Reminder message in Hindi

7 Hindi versions by stage

Call and message wording in spoken Hindi for each stage. The play button generates each one live in Pāṇini TTS; nothing is pre-recorded.

  • Five days before: the first reminder

    Call, 3 to 5 days before the due date

    नमस्ते {name} जी, {lender} से कॉल है, मेरा नाम {agent_name} है।

    बस याद दिलाना था कि आपकी {amount} रुपये की EMI {due_date} को है।

    अकाउंट में बैलेंस रख दीजिएगा, बाकी ऑटो-डेबिट अपने आप हो जाएगा।

    Hello {name}, this is {agent_name} from {lender}. Just a reminder that your EMI of {amount} rupees is due on {due_date}. Please keep the balance in your account; the auto-debit will happen on its own.

    Awaiting native-speaker review

  • The day before

    Call, one day before the due date

    नमस्ते {name} जी, {lender} से कॉल है।

    कल {due_date} को आपकी {amount} रुपये की EMI कटेगी।

    अकाउंट में पैसे हैं न? कोई दिक्कत हो तो अभी बता दीजिए, हम मदद कर देंगे।

    Hello {name}, this is a call from {lender}. Tomorrow, {due_date}, your EMI of {amount} rupees will be debited. Is the money in your account? If there's any problem, tell me now and we'll help.

    Awaiting native-speaker review

  • On the due date, no auto-debit

    Call, morning of the due date, for borrowers who pay manually

    नमस्ते {name} जी, आज आपकी {amount} रुपये की EMI की आख़िरी तारीख है।

    अगर पेमेंट अभी तक नहीं किया है, तो पेमेंट लिंक SMS पर मिल सकता है।

    भेज दूँ?

    Hello {name}, today is the last date for your EMI of {amount} rupees. If you haven't paid yet, you can get a payment link by SMS. Shall I send it?

    Awaiting native-speaker review

  • Auto-debit did not go through

    Call, the day the debit fails. The borrower is now overdue, so RBI's recovery rules apply: 08:00 to 19:00 only.

    नमस्ते {name} जी, {lender} से कॉल है।

    आपकी {due_date} वाली EMI अकाउंट से कट नहीं पाई।

    कोई बात नहीं, आज ही लिंक से पेमेंट हो सकता है। क्या मैं लिंक भेज दूँ?

    Hello {name}, this is a call from {lender}. Your EMI due on {due_date} could not be debited from your account. That's all right, the payment can be made today through a link. Shall I send it?

    Awaiting native-speaker review

  • When the borrower says they can't pay yet

    Call, the reply when the borrower says money is short

    आपकी बात समझ में आती है, {name} जी।

    आप बताइए, किस तारीख तक पेमेंट हो पाएगा?

    आपकी बात नोट हो गई है, और ज़रूरत हो तो हमारी टीम आपसे एक बार बात कर लेगी।

    I understand, {name}. Tell me, by what date will the payment be possible? It's noted, and if needed our team will speak with you once.

    Awaiting native-speaker review

  • EMI reminder message (SMS)

    SMS, 3 days before the due date

    नमस्ते {name} जी, आपकी {lender} लोन की {amount} रुपये की EMI {due_date} को है।

    कृपया उससे पहले अकाउंट में बैलेंस रखें। धन्यवाद, {lender}

    Hinglish: Namaste {name} ji, aapki {lender} loan ki {amount} rupaye ki EMI {due_date} ko hai. Kripya usse pehle account mein balance rakhein. Dhanyavaad, {lender}

    Hello {name}, your {lender} loan EMI of {amount} rupees is due on {due_date}. Please keep the balance in your account before then. Thank you, {lender}

    Awaiting native-speaker review

  • EMI due today message (WhatsApp, with link)

    WhatsApp or SMS, morning of the due date

    नमस्ते {name} जी, आज आपकी {amount} रुपये की EMI की आख़िरी तारीख है।

    इस लिंक से पेमेंट करें: {payment_link}

    अगर पेमेंट हो चुका है, तो इस मैसेज को इग्नोर करें। - {lender}

    Hinglish: Namaste {name} ji, aaj aapki {amount} rupaye ki EMI ki aakhri tareekh hai. Is link se payment karein: {payment_link}. Agar payment ho chuka hai, to is message ko ignore karein. - {lender}

    Hello {name}, today is the last date for your EMI of {amount} rupees. Please pay through this link: {payment_link}. If you have already paid, please ignore this message. - {lender}

    Awaiting native-speaker review

Listen to how the amount and date are read before you use a variant. More Hindi voices are on the Hindi text to speech page. The rules behind recovery calls are in RBI recovery directions (Hindi).

FAQ

Questions about this script

Five things: the borrower's name, who is calling or sending, the EMI amount, the due date, and how to pay. Add one way to reach a person. Leave out anything that sounds like a threat; a reminder before the due date is a service message, not a recovery call.

Yes, the two message variants are written for that, with a Roman-script (Hinglish) version for senders who use it. In India, business SMS go out through your operator's DLT platform with a registered header and template, so register the exact text before you send it.

Between 08:00 and 19:00. RBI's recovery rules set those hours for borrowers in default; whether they cover reminders before a default is not settled, so the cautious course is to follow them for every EMI call.

Yes. Paste the script into a Sonex Flows campaign, and each call goes out inside the calling window and retry limits you set, with the borrower's answer written back to your CRM. RBI-regulated lenders must call from 1600-series numbers, so connect your own 1600 numbers through your telephony provider; Sonex's shared numbers are ordinary landlines. Press play on any variant above to hear how the agent will sound.

Compliance

Rules to check before calling

  • Call only between 08:00 and 19:00. RBI's recovery rules bar calls outside those hours for borrowers in default; RBI has not said whether they cover reminders before a default, so the cautious course is to follow them anyway. Read the rules
  • Say who is calling and why in the first sentence. From 1 January 2027 recovery calls must be recorded; recording reminder calls too is the safer course. Read the rules
  • RBI-regulated lenders must make service and transactional calls from 1600-series numbers; the deadlines passed in early 2026. Read the rules
  • If software or an AI agent dials the call, declare A2P calling and your caller numbers to your operator before 27 November 2026. Read the rules

Tips

Tips for this script

  • Pass the amount and date exactly as stored, and play the opening line to hear how they are read in each language.
  • Offer one next step, not a menu: link, callback or nothing.

Run this script as a voice agent on Sonex Labs at $0.055 per minute, in any of the languages above. For other languages, see the language list. More templates are in the call-script library.

Use this script in a voice agent

Paste the script into Sonex Flows and test the call yourself before the agent calls a customer.

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