Central Bank of India boosts repayment with Voice AI

Organisation
Central Bank of India
Founded
1911
Website
https://www.centralbankofindia.co.in
Channel
Phone call (voice AI)
Industry
Banking (Public Sector)
Usecases
Pre-due & post-due reminders, repayment intent capture, multilingual outreach

Repayment performance stats

Voice AI-powered automation increased PTP rates, optimized operations, and enhanced compliance-driven collections at scale.

5.65%
PTP baseline
6.7×
ROI
0.42×
efficiency ratio*
28.40%
PTP lift
Challenge
Solution
Impact
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A leading Indian public sector bank needed to improve repayment intent and optimize collections. Manual processes were inefficient, costly, and lacked scalability. Gnani.ai implemented voice automation to address these challenges.

Solution

Central Bank of India implemented Collect365 to modernize its repayment engagement process, replacing legacy systems with intelligent automation. The solution improved intent capture, optimized multilingual outreach, and enabled real-time compliance-driven collections for a large borrower base.

01

Rolled out AI-based voice campaigns for both pre-due and post-due repayment reminders to boost engagement.

02

Rolled out AI-based voice campaigns for both pre-due and post-due repayment reminders to boost engagement.

03

Rolled out AI-based voice campaigns for both pre-due and post-due repayment reminders to boost engagement.

04

Integrated with the bank’s systems for dynamic follow-ups and data-driven prioritization of high-risk accounts.

This intelligent solution modernized the bank’s engagement model, improving efficiency and borrower responsiveness.

Impact

The deployment delivered measurable efficiency gains, enhanced repayment intent, and boosted ROI while reducing operational complexities and compliance risks.

5.65%
PTP
6.7×
ROI
28.40%
PTP gain

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