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AI voice calling agent that reminds borrowers in Hindi.

It calls each borrower before the EMI date, checks who picked up, and sends a UPI link or writes down the day they will pay.

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What the AI calling agent does on an EMI reminder

Prakash Motor Finance, a two-wheeler lender in Pune, loads the week's EMIs. Arushi calls each borrower in Hindi, keeps the English words people use for loans, and answers the number when they call back.

Your team loads the loans due that week, and the agent dials them in batches at the time you schedule. It asks for the borrower by name and says nothing about the loan until the vehicle number checks out.

Hindi calls, and the rules for calling customers in India

Borrowers mix English loan words into Hindi, and Indian telecom and data rules cover who may call them and from which number. These notes point to the official texts.

Hindi and English

Sonic speaks Hindi with English words in the same sentence, and Ink-2, Cartesia's speech recognition model, transcribes Hindi and English. Write your loan terms, such as EMI, foreclosure and NACH, into full sentences and test how borrowers say them.

Hinglish in Sonic (Cartesia docs); Ink-2 languages (Cartesia docs)

Number series (TRAI)

TRAI's July 2026 note says entities regulated by RBI, SEBI, IRDAI or PFRDA use 1600-series numbers for service and transaction calls to existing customers, and that any sector uses 140-series numbers for promotional calls. Customers can block 140-series calls by sector on the DND registry.

TRAI press release 91/2026 on the 1600 and 140 series

Consent and auto-dialers

TRAI's February 2025 amendments to the TCCCPR 2018 limit implied consent for service and transaction calls to the length of the contract, restrict ordinary 10-digit numbers for telemarketing, and bring in disclosure of auto-dialers and robocalls.

TRAI press release 11/2025 on the TCCCPR amendments

Personal data (DPDP)

The Digital Personal Data Protection Rules, 2025 were published on 13 November 2025. As published, the notice rule (Rule 3) and Rules 5 to 16 take effect 18 months after that date. A call recording that identifies a borrower is personal data under the DPDP Act, 2023.

DPDP Rules, 2025 (Gazette of India, MeitY)

These notes summarize TRAI and MeitY documents; they are not legal advice. Your counsel and your telecom provider can say which number series, consent and notice apply to your calls.

Built on best-in-class speech models

Cartesia handles listening, turn-taking and interruptions. You bring the instructions, the LLM and the tools.

  • $0.03per minute
  • #1on Speech Agent Arena and EVA-Bench
  • 24/7answers every call, at any hour

Natural turn-taking

The agent lets callers finish, handles interruptions and pauses, and never talks over anyone.

Your choice of LLM and tools

Pick the LLM that is best suited for your agent's job, and give it tools to take action.

A voice that fits your brand

Pick from a library of natural, expressive voices so every call sounds like your company.

See which reminders ended with a link or a date

After each call, a metric you write in plain words marks whether the borrower got a payment link or gave a date inside the grace period. Your collections team calls the rest.

Launch a Hindi calling agent in three steps

Start building
  1. Clone the template

    Copy this use case into your Cartesia account and edit the instructions to match your policies.

  2. Connect your systems

    Connect the agent to the systems it needs, then give it a Cartesia phone number or bring your own.

  3. Test the agent, then go live

    Place test calls from the browser, read the transcripts, and score calls with your own metrics.

Enterprise-grade security

  • HIPAA compliant badge

    HIPAA compliant

  • SOC 2 Type 2 badge

    SOC 2 Type 2

  • GDPR badge

    GDPR

AI calling agent for India FAQs

What is an AI voice calling agent?

An agent that places phone calls from a list and talks to the person who answers. This one calls two-wheeler loan borrowers in Hindi before the EMI date, checks who picked up, and texts a UPI link or writes down the day they will pay.

How much does an AI calling agent cost in India?

Cartesia charges $0.03/min, plus telephony and LLM usage, and bills in US dollars. The ₹ amounts on this page are the lender's EMIs, not Cartesia prices. See pricing.

Can the agent call from an Indian phone number?

Cartesia's own numbers are US only. Bring a Twilio number, or connect an Indian SIP trunk and import its numbers. Ask that provider which series your calls need, 140 or 1600, and what registration under TRAI's rules it handles for you.

How does it work through a list of borrowers?

A developer sends the list through the batch calling API, up to 5,000 numbers per batch, with each borrower's name and EMI as variables and a start time. Unanswered calls can be retried, and voicemail detection ends the call or leaves a message you write.

How do AI voice agents handle Hindi and English on one call?

Ink-2 transcribes both. An agent set to Hindi keeps Hindi, with English words where borrowers use them. To follow a borrower who moves fully into English, turn on language detection, a Beta speech setting that covers 10 languages including Hindi and English. It runs on a different recognition model from Ink-2.

Can the sample call switch to English?

No. The sample call stays in Hindi from start to end. Mid-call switching needs language detection, which you can turn on for an agent of your own and test with your borrowers.

Can it work as an AI receptionist in India too?

Yes. Assign the same number to the agent and it answers incoming calls, as in the call-back example above. An inbound line for appointments or service bookings is a separate agent with its own instruction and tools.

Which Indian languages can it speak?

Sonic speaks 10 Indic languages, listed on Cartesia for India. For a two-way call the agent also has to hear the borrower, and Ink-2 transcribes Hindi and English but not the others, so plan Hindi and English calls.

What happens when a borrower disputes the amount?

The agent stops the reminder and transfers the call to the loan officer's number you set. Transfers work on Twilio and SIP trunk numbers.

Does Cartesia keep the call recordings?

You choose per agent. An agent-wide setting stops Cartesia from storing transcripts, recordings and caller numbers for that agent. There is no switch for a single call.

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