Refusal Is Not Default: What Borrowers Say on Collection Calls

Two in three borrowers who refused or got angry on a collection call still paid. What borrowers say on collection calls, what each answer tells you, and how to respond.

Promise to Pay (PTP): Which Promises Get Kept and How to Follow Up

86% of borrowers who promise to pay on the due date keep that promise. What 11,600 dated promises show about which PTPs to trust, two warning signs, and how to follow up.

What Is a DPD Bucket? A Calling Plan for Each Bucket

DPD means days past due. What each DPD bucket means, how it maps to RBI's SMA categories, and what the collection call in each bucket should do, with data from 40,000 loans.

140 vs 160 vs 1600 Series: Which Number Must Your Calls Come From?

Promotional calls on 140, lenders' and insurers' service calls on 1600, other sectors on 1601. The 2026 deadlines, who is covered and the new rules for AI calls.

RBI Recovery Agent Guidelines 2026-27: What Calling Teams Must Change

RBI's August 2026 directions on recovery agents take effect on 1 January 2027. What changes for collections calling floors: hours, recording, scripts and a 12-week checklist.

What a telecaller really costs per minute of talk time in India (2026)

A seat costs about ₹30,000 a month, but a telecaller talks for only three hours a day. Per minute of conversation that is about ₹7, and the number any AI voice agent has to beat.