Turn loan and policy enquiries into funded files.
Lending, NBFC and insurance leads go cold while paperwork sits unfinished. An AI agent on your phone lines and WhatsApp qualifies the applicant, collects the documents and chases EMI, premium and renewal follow-ups, with anything regulated going straight to a human on your team.
Hired for the jobs that leak revenue.
When an enquiry arrives from an ad, portal or your website, the agent reaches out at once, asks about loan amount, product type, tenure or coverage need, and scores intent so your team spends time only on applicants worth pursuing.
The agent tells each applicant exactly which documents are required, prompts them to upload over WhatsApp, and nudges anyone who stalls so files reach your desk complete instead of half-finished.
The agent reminds borrowers of upcoming EMIs and policyholders of premium due dates, respecting quiet-hours and DNC preferences on every message so reminders land without crossing a line.
For insurance policies and recurring products, the agent follows up ahead of the renewal date, answers basic questions from your knowledge base and reminds customers to act before cover or eligibility slips away.
The agent responds to questions about eligibility, rates, tenure and coverage using facts you curate, and never invents terms; anything sensitive or regulated is escalated to a human at once.
Every call and message is captured in the CRM with context, so when a case moves to a loan officer or advisor they see the full history and pick up without the customer repeating themselves.
From late-night loan enquiry to a complete file.
- 1
A prospect fills a personal-loan form on your site at 10:15pm. Within seconds the agent messages them on WhatsApp, confirms the amount and tenure they want, and asks a few qualifying questions.
- 2
The agent lists the documents needed for the application, such as ID and income proof, and invites the prospect to upload them right there in the chat.
- 3
The next morning one document is still missing, so the agent sends a gentle reminder within quiet-hours rules; the prospect uploads it and the file is now complete.
- 4
The agent logs everything in the CRM and hands the qualified, document-complete file to a loan officer, who reviews and makes the credit decision. The agent never decides, runs KYC, or gives advice.
The things buyers ask us.
Does the AI make lending or underwriting decisions?
No. The agent qualifies leads, collects documents and sends reminders, but never makes credit decisions, runs KYC or gives financial advice; every regulated step goes to a human on your team.
Can the AI actually call applicants on Indian phone numbers?
Yes, on Growth and Scale plans: inbound and outbound voice on Indian phone numbers, in Hindi and English, billed per minute from a prepaid wallet. Voice is India-only today.
Where is our customer data stored and how is privacy handled?
KairosAI runs on AWS Mumbai, so your records, recordings and transcripts are stored in India. WhatsApp and Instagram messages travel through Meta's own infrastructure before they reach us, which is how Meta's API works for every vendor. Our full sub-processor register comes with the DPA, and we are DPDPA-aligned rather than formally certified.
How do you keep reminders within the rules?
The agent respects quiet-hours and DNC preferences on every reminder, so EMI, premium and renewal nudges go out at appropriate times and to the right people only.
How does the agent connect to our loan or policy systems?
Integrations are wired up during onboarding to fit your existing tools and process. The agent works from a knowledge base you curate, so it answers from your facts and hands off cleanly to your team.
Put an AI agent on the job.
See an AI agent qualify a loan enquiry and collect the documents, live on your own numbers.