1. Say who you are
Give your name and company in the first sentence, and say who you are calling for if you are a partner. People hang up on callers who sound vague.
"This is Neha from [Company], calling for [Lender]."
SCRIPT GUIDE For loan teams and lending partners
Personal Loan Telecalling Script: 8 parts of the call
A personal loan telecalling script is the set of lines a caller uses to open the call, check eligibility, answer objections and agree the next step. A good one is honest about what is not yet decided, because the lender makes the final decision. This guide gives you the full script in Hindi, Hinglish and English, honest answers to common objections, and a builder for your own version.
- Full script in Hindi, Hinglish and English
- Objection answers that stay honest
- A free builder for your own version
The basics
What a good personal loan call sounds like
People who ask about a loan have usually asked more than one lender, so a clear and polite first call counts for a lot. The job of this call is not to sell a loan. It is to find out whether this person needs one and may qualify, and to pass them to someone who can take it further. Notice how the caller handles the rate question here:
First call · Website enquiry · HinglishExample conversation
AI agentNamaste Amit ji, main [Company] se bol rahi hoon. Aapne personal loan ke baare mein enquiry ki thi. Kya abhi do minute baat ho sakti hai?
CallerHaan, bolo. Interest rate kitna hai?
AI agentRate aapki profile aur lender ke niyam par depend karta hai, isliye main andaaza nahi dungi. Hamare advisor sahi jaankari denge. Kya main do sawaal pooch loon?
CallerTheek hai.
AI agentAap salaried hain ya self-employed?
CallerSalaried, private company mein.
AI agentDhanyavaad. Kya main aapko abhi advisor se jod doon, ya shaam ko call karwa doon?
✓ Permission taken✓ No rate promised✓ Next step offered
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Hear one yourself
Hear a loan call on your own phone
Enter your number and we will set up a live AI demo call for you. Hear the voice, interrupt it, ask it questions, in Hindi or English.
- No setup needed for the demo
- Hindi, English & regional languages
- Takes 2 minutes
The structure
The 8 parts of the script
Use these as a sequence, and keep each one short. The whole first call should fit into a few minutes.
2. Ask permission
A busy person who says yes will listen properly. If it is a bad time, take a callback time and end the call politely.
"Do you have two minutes to talk?"
3. Understand the need
Ask what the loan is for and roughly how much. This shows you are listening, and it tells your advisor where to begin.
"What do you need it for, and roughly how much?"
4. Check eligibility
Ask only what decides the next step: work type, employer or business, income range, city and running loans. Leave the detailed checks to the lender.
"Are you salaried or self-employed?"
5. Explain the documents
Say what will be needed, and how it will be collected through official channels. Never ask anyone to read out an OTP or a PIN.
"The advisor will share the document list with you."
6. Handle objections
Answer honestly and briefly, then move on. There are common examples further down this page.
"The lender decides the rate, so I will not guess."
7. Agree the next step
Offer a choice between two clear options, so that the call ends with something decided.
"Shall I connect you now, or arrange a call this evening?"
8. Close and record
Thank them and repeat what will happen next. Then record the outcome the same way every time, so that nobody has to guess later.
"Our advisor will call you at 6 this evening. Thank you."
Free tool
Build your own loan script
Choose who you are and who you are calling, and the script changes to match. Copy it into your own document and have your compliance team approve it.
Full script
पर्सनल लोन टेलीकॉलिंग की पूरी स्क्रिप्ट
A full first call to someone who enquired. Change the names, and keep the honest lines in place.
कॉलर: नमस्ते [नाम] जी, मैं [कंपनी] से बोल रही हूँ। आपने पर्सनल लोन के बारे में पूछा था। क्या अभी दो मिनट बात हो सकती है?
ग्राहक: जी, बताइए। ब्याज कितना लगेगा?
कॉलर: ब्याज दर आपकी प्रोफ़ाइल और लेंडर के नियमों पर निर्भर करती है, इसलिए मैं अंदाज़ा नहीं दूँगी। क्या मैं दो सवाल पूछ लूँ?
ग्राहक: ठीक है।
कॉलर: आपको लोन किस काम के लिए चाहिए? और आप नौकरी करते हैं या अपना काम?
ग्राहक: घर की मरम्मत के लिए। नौकरी करता हूँ।
कॉलर: धन्यवाद। क्या मैं आपको अभी हमारे सलाहकार से जोड़ दूँ, या आज शाम कॉल करवा दूँ?
Caller: Namaste [Name] ji, main [Company] se bol rahi hoon. Aapne personal loan ke baare mein poocha tha. Kya abhi do minute baat ho sakti hai?
Customer: Ji, batao. Interest kitna lagega?
Caller: Rate aapki profile aur lender ke niyam par depend karta hai, isliye main andaaza nahi dungi. Kya main do sawaal pooch loon?
Customer: Theek hai.
Caller: Aapko loan kis kaam ke liye chahiye? Aur aap job karte hain ya apna kaam?
Customer: Ghar ki repair ke liye. Job karta hoon.
Caller: Dhanyavaad. Kya main aapko abhi hamare advisor se jod doon, ya aaj shaam call karwa doon?
Caller: Hello [Name], this is [Company]. You asked about a personal loan. Do you have two minutes to talk?
Customer: Yes, go ahead. What is the interest rate?
Caller: The rate depends on your profile and the lender's rules, so I will not guess. May I ask you two questions?
Customer: All right.
Caller: What do you need the loan for? And are you salaried or self-employed?
Customer: For home repairs. I am salaried.
Caller: Thank you. Shall I connect you to our advisor now, or arrange a call this evening?
Objections
Common objections, and honest answers
Each answer tells the truth, then moves the call forward. If you cannot back up an answer, pass the question to a person.
"What is the interest rate?"
Say: "It depends on your profile and the lender's rules, so I will not guess. Our advisor can give you the correct figure." A number you cannot honour costs you the customer later.
"I already have a loan."
Say: "That is fine. May I note it, so that the advisor can check what is possible?" A running loan is a detail for the lender to assess, not a reason to end the call.
"My credit score is low."
Say: "The lender will check that. I cannot promise anything, but I can note it for the advisor." Do not say it will not matter.
"I will think about it."
Say: "Of course. Shall I call again on a day that suits you?" Then take a day, or close the call politely if they do not want one.
"Is this a fraud call?"
Say: "It is a fair question. We will never ask for an OTP, PIN or card number. You can check us through our official website." Then offer to end the call.
"Please do not call me again."
Say: "I understand. We will not call you again." Then record the opt-out, and make sure the number really does stay off every future list.
Where AI fits
Where an AI agent fits in a loan funnel
The agent can run the repeatable first call. Decisions, advice and paperwork stay with your people and the lender.
- 01An enquiry comes inFrom your website, ads or partners, with a name, a number and permission to call.
- 02The agent callsWithin minutes during calling hours. Night enquiries wait for the morning.
- 03It opens and asks permissionIt says who it is calling for, in the customer's language.
- 04It asks your screening questionsWork type, income range, city and running loans, as you approve them.
- 05It hands over interested peopleBy live transfer to an advisor, or a callback at a time they choose.
- 06Your team sees the recordA recording, a transcript, a summary and an outcome for every call.
Side by side
Loan script by telecaller vs by AI agent
Most teams will want both, for different parts of the call.
| AI agent | Telecaller | Recorded message | |
|---|---|---|---|
| Follows the approved wording every time | Yes | Depends on the person | Yes |
| Calls many enquiries at once | Many calls in parallel | One at a time | Yes |
| Answers follow-up questions | Common ones, then hands over | Yes | No |
| Handles complex cases and judgement | No, it hands over | Yes | No |
| Languages | 9 Indian languages | Whoever is on shift | One per recording |
| Leaves a full record | Recording, transcript, outcome | Depends on the team | Only the dial result |
| Best for | First calls and screening | Advice and closing | Simple announcements |
Hard limits
What a loan caller must never say
Keep these out of every script, whether a person or an agent reads it.
"Your loan is approved."
Only the lender can decide that, and only after its checks. Say "the advisor will take this forward" until there is a real decision.
A rate you cannot back up
Do not quote a "starting from" rate as if it applies to this person. If you share rates at all, use the lender's approved wording.
A request for an OTP, PIN or CVV
Never ask for these, on any call, for any reason. Say so openly, because it also helps people trust you.
A demand for money before approval
Scammers ask for a payment to "release" a loan. Any charge must follow the lender's official process, and a telecaller should not collect it.
Pressure or false urgency
"Today only" lines make people suspicious. Give them time to decide.
Anything after an opt-out
If someone says they do not want calls, end the call and record it. Do not hand the number to another team to try again.
Before you start
Ten checks before a loan campaign starts
Lending is more closely regulated than most businesses, so settle these first. This is general information, not legal advice.
- Who you are calling forThe lender's name must be clear, especially if you are a partner.
- Approved wordingHave your lender or compliance team approve the script.
- Where the numbers came fromCall people who asked to hear from you, and keep a record of it.
- Number series and DND rulesBanks, NBFCs and partners have specific rules, so check the current ones.
- Which questions to askAsk only what you need for the next step.
- How rate questions are answeredFix one line for this, and pass the details to an advisor.
- How documents are collectedUse official channels only, and never collect them on a call.
- Who takes transfersName the advisors, and plan cover for each calling window.
- How opt-outs are recordedThey must reach every list you use, not only this campaign.
- Who listens to the callsA named person should review recordings every week.
Getting started
Turn this script into live calls
Begin with recent enquiries, since they asked to hear from you. Most campaigns go live in 24 hours to 7 days.
1. Fix your script
Use the builder, then get your compliance team to approve the wording.
2. Hear it on a test call
The agent calls you with your script, so you can try the awkward questions.
3. Run recent enquiries
Start with a small list, then read the transcripts together.
4. Review every week
Check the recordings, change what did not work and widen slowly.
Avoid these
Script mistakes that lose loan leads
A long pitch before a question
Fix: ask something in the first few seconds. People stay on calls that sound like conversations, not announcements.
Too many questions
Fix: a first call is not an application. Ask only what decides the next step, and let the advisor do the rest.
No clear next step
Fix: end every call with a time, a transfer or a clear no. A vague "we will get back to you" loses people.
The same script for every source
Fix: someone who filled in a form yesterday and someone on an old list need different openings. The builder above handles this.
Only testing in English
Fix: test the script in the language your customers use, and read it out loud. Formal Hindi can sound stiff on a phone call.
हिंदी में
पर्सनल लोन कॉल का सही तरीक़ा, आसान शब्दों में
पर्सनल लोन की पहली कॉल का काम लोन बेचना नहीं है। इसका काम यह जानना है कि ग्राहक को लोन चाहिए या नहीं और आगे बात करनी है या नहीं। अपना और कंपनी का नाम बताइए, अनुमति लीजिए, कुछ ज़रूरी सवाल पूछिए और अगला क़दम तय कीजिए।
ब्याज दर या मंज़ूरी का वादा मत कीजिए, क्योंकि यह फ़ैसला लेंडर करता है। ग्राहक से कभी ओटीपी, पिन या कार्ड नंबर मत पूछिए। जो ग्राहक मना कर दे, उसे दोबारा कॉल मत कीजिए। एआई एजेंट पहली कॉल कर सकता है, और इच्छुक ग्राहक को आपके सलाहकार से जोड़ सकता है।
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FAQ
Personal loan telecalling script: common questions
01What is a personal loan telecalling script?
It is the set of lines a caller follows on a personal loan call: the opening, permission, eligibility questions, objection answers and the next step. It keeps calls clear, honest and consistent across a team.
02How should a personal loan call start?
Give your name and company, say who you are calling for, mention why you are calling and ask if it is a good time. Keep this to two short sentences.
03What questions should the caller ask?
Ask what the loan is for, roughly how much, whether the person is salaried or self-employed, their rough income, their city and whether any loans are running. The lender checks the rest.
04How should a caller answer the interest rate question?
Say that the rate depends on the person's profile and the lender's rules, and that an advisor will give the correct figure. Do not guess or quote a "starting from" rate as if it applies to them.
05Can an AI agent make personal loan calls?
An AI agent can make the first call: open, ask permission, ask approved screening questions and transfer interested people to an advisor. Advice and decisions stay with your team and the lender.
06Can the AI agent approve a loan?
No. Neither a telecaller nor an AI agent can approve a loan. Only the lender decides, after its own checks.
07Can documents be collected on the call?
No. The call can explain what will be needed. Documents should go through the lender's official channels, and nobody should ever ask for an OTP, PIN or card number.
08What is the best time to make personal loan calls?
Inside calling hours, generally 9 AM to 8 PM, and as soon as you can after an enquiry. Your own results will show which hours work best for your customers.
09Which languages can the script run in?
The AI agent works in English, Hindi, Marathi, Gujarati, Tamil, Telugu, Kannada, Bengali and Malayalam. This page gives you Hindi, Hinglish and English versions to adapt.
10Are there rules for loan telecalling in India?
Yes. Consent, DND, number series and conduct rules can all apply, and banks, NBFCs and their partners may have extra duties. This is general information, not legal advice, so check the current TRAI and RBI rules with your compliance team.
11How do I get this script for my own company?
Use the free builder on this page, then have your compliance team approve the wording. To hear it on a call, leave your number in the form on this page.
The AI agent calls in English and in eight languages listed in the Eighth Schedule of the Constitution of India: Hindi, Marathi, Gujarati, Tamil, Telugu, Kannada, Bengali and Malayalam.
Keep reading
More for finance and calling teams
Other scripts and guides for teams that sell or service financial products.
About Troika
Who can run this script for you
Troika Tech Services has worked with Indian businesses since 2012. As an AI calling company, we set up, run and improve AI calling campaigns as a fully managed service, so your team decides and approves while ours builds and runs. We write the script with you and run the first calls, while decisions and advice stay with your team and your lender.
Clients across the country use us as an AI calling company in India, and our team in Mira Road East makes us an AI calling company in Mumbai you can visit. See how our AI calling agents in Mumbai work for local businesses, read the guide to AI calling agents, or explore the wider set of AI agents we build.
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- Hindi, English & regional languages
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