AI agents that call and answer your customers on the phone, on WhatsApp and on web chat, in more than 25 languages. They finish the task during the conversation: confirm a card delivery, take a promise to pay, complete a KYC update, renew a policy. Tilicho builds and runs them inside your own Google Cloud project, starting from accelerators for 28 BFSI use cases.
Real calls made by the agent. Names and numbers are bleeped in the audio; the transcripts show them as •••.
Device-financing NBFC. The agent calls the day before the auto-debit, confirms the amount and the date, and takes a commitment when the balance will not be there.
Customer confirms the balance for a ₹2,120 auto-debit on 2 October.
Hello
Namaste, main Maya ••• kya meri baat ••• se ho rahi hai?
Ji.
Dhanyawad ••• aapki 2120 rupaye ki EMI 2 October ko auto debit hogi. Bas confirm karna tha, us din account mein itna balance rahega na?
Ji bilkul.
Bahut badhiya. Dhanyawad ••• 2 October se pehle account mein 2120 rupaye rakh lijiyega. Aapka din shubh ho.
Customer confirms a ₹2,200 EMI will be covered on 2 October.
Namaste, main Maya ••• Kya meri baat ••• ho rahi hai?
Haan ji.
Dhanyawad ••• Aapke EMI ke 2200 rupaye 2 October ko auto debit honge. Bas confirm karna tha. Us din account mein itna balance rahega na?
Okay mam, dal lunga.
Bahut badhiya, dhanyawad ••• 2 October se pehle account mein 2200 rupaye rakh lijiyega. Aapka din...
Ji ji.
Customer confirms the balance for a ₹1,835 device EMI.
Hello
Hello
Namaste, main Maya ••• kya meri baat ••• se ho rahi hai?
Haan... ji.
Dhanyavad •••. Aapke device ki 1835 rupaye ki EMI 2 October ko auto debit hogi. Bas confirm karna tha, us din account mein itna balance rahega na?
Ji chalega.
Bahut badhiya, dhanyavad •••. 2 October se pehle account mein 1835 rupaye rakh lijiyega. Aapka din shubh ho.
Okay.
Ji dhanyavad, aapka din shubh ho.
Okay.
Customer says the balance will not be there, commits to pay ₹1,920 the same day. The agent notes the commitment and states the consequence of a missed payment.
Namaste, main Maya ••• kya meri baat ••• se ho rahi hai?
Boliye
Dhanyawad ••• aapke EMI ki 1920 rupaye ki rashi kal 2 October ko auto debit hogi. Bas confirm karna tha, us din account mein itna balance rahega na?
Nahi
Koi baat nahi ••• aap 1920 rupaye ka payment kab tak kar payenge?
Kal ho jayega
Theek hai ji, 2 October ko 1920 rupaye ka commitment note kar rahi hoon. Bahut badhiya, dhanyawad.
Iska baad to nahi hoga?
Theek hai ji, maine note kar liya hai. Ek baat bata doon ji, niyam aur sharton ke anusar 5 October tak payment nahi hua to mobile lock ho jayega. ••• team aapse baat karegi. Aapka din shubh ho.
Iska baad to nahi hoga...
Ji ••• bas samay par payment kar dijiyega. Aapka din shubh ho.
Okay
Dhanyawad ji, aapka din shubh ho.
The agent calls independent financial advisors, answers questions on commission and support, and either transfers the call to the onboarding team or books a callback.
Advisor is happy where they are, asks about commission, and asks to be connected to the onboarding team. Call transferred.
Namaste, main ••• Sakshi baat kar rahi hoon. Kya meri baat ••• ho rahi hai?
Haan ji bataiye.
••• ek bahut hi acchi business opportunity ke baare mein baat karni thi aap se. Aap busy toh nahi hai na? Kya abhi baat karna theek rahega?
Haan ji, theek rahega bataiye.
Great. Toh sabse pehle bataiye, aap abhi kis platform ya company ke saath IFA ke roop mein associated hain?
••• associated hai.
Samajh gayi. ••• ke saath associated hain. Ek cheez poochna chahti hoon, kya aapko unke saath kaam karte hue koi dikkat ya challenge face karni padti hai? Jaise commission, support, ya platform ko lekar?
Nahi nahi, sab sahi hai.
Accha, yeh sunke bahut accha laga ki sab smoothly chal raha hai. Phir bhi ek baar ••• explore kijiye. Kai satisfied IFAs bhi humare saath jude hain, aur exclusivity ki koi zaroorat nahi hai, aap parallel mein bhi humare saath kaam karke try kar sakte hain. Dekhiye, ••• hum mainly teen cheezon pe focus karte hain: solid support, strong commissions, aur ek aisa technology platform jo aapka kaam bilkul aasaan bana de.
Accha, toh mujhe commission kitna milega? Kuch samjha ke bata sakte hain?
Equity products par 20% commission milta hai, aur mutual funds mein 70% share hota hai.
Theek hai ji, mujhe connect kijiye ya fir mujhe kya karna hoga abhi agar next kuch karna hai toh?
Bahut badhiya. Iske liye main aapko humari specialist team se connect karwa deti hoon, jo aapko poori details samjha denge aur onboarding process mein help karenge. Kya main abhi aapka call transfer kar doon?
Bilkul.
Main aapka call transfer kar rahi hoon. Humari team se baat karne ke liye dhanyavaad •••. Aapka din shubh ho.
Advisor with another platform cites weak support. Asks how long onboarding takes (15 minutes with PAN). Call transferred to the specialist team.
Hello?
Namaste ••• Sakshi baat kar rahi hu. Kya meri baat ••• se ho rahi hai?
Haan ji.
Ji ••• aapse ek bahut hi acchi business opportunity ke baare mein baat karni thi. Aap busy toh nahi hai na? Kya abhi baat karna theek rahega?
Haan ji haan ji boliye.
Great. Toh sabse pehle bataiye, aap abhi kis platform ya company ke saath IFA ke roop mein associated hai?
Main ••• ke saath hoon.
Samajh gayi •••. Ek cheez poochna chahti hoon, kya aapko unke saath kaam karte hue koi dikkat ya challenge face karni padti hai? Jaise commission, support ya platform ko lekar?
Ji commission aap kitna dete ho mujhe pata nahi, par support ke support itna nahi milta, platform accha hi hai.
Samajh sakti hoon, support na milna kaafi badi dikkat ho sakti hai. Issi wajah se bahut se IFA ••• ki taraf move karte hain. Humare yahan aapko ek dedicated RM aur advisor milta hai jo har step par aapke saath rehta hai. Aur jahan tak commission ki baat hai, equity products par 20% commission milta hai aur mutual funds mein 70% share hota hai. ••• Yeh sunkar aapko kaisa laga? Kya aap ••• ke saath aage baat karna chahenge?
Haan ji karwaiye, koi baat nahi.
Bahut badhiya. Main aapko humari team se connect karti hoon jo aapko poora onboarding process samjhayenge aur aapke sawalon ka detail mein jawab denge. Ji aage badhne ke liye kya main aapki firm ya business...
Ek minute, Angel One mein maine already already maine sab kuch kar chuka hoon, toh abhi aapke system mein aane ke liye mereko kitna time lagega?
Ji, humare system mein aana bahut simple hai. Sirf PAN card details chahiye hoti hain aur 15 minute mein onboarding ho jata hai. Aapko website par register karna hota hai, koi extra documentation ki zaroorat nahi padti.
Accha ji, theek hai theek hai.
••• Kya main aapki firm ya business ka naam jaan sakti hoon taaki main humari specialist team ko bata sakoon?
Ji mera firm ka naam •••
Samajh gayi •••. Humari team isi number par aapse contact kare na?
Ji chalega.
Perfect. Aur humari team se baat karne ke liye aapke liye aaj kaun sa time convenient rahega?
Kariye aapki marzi jab karna hai tab karo.
Ji, main humari specialist team se kehkar abhi thodi der mein hi aapse contact karwati hoon. Kya main abhi aapka call unhe transfer kar doon?
Ji ji.
Bahut badhiya, main aapka call humari specialist team ko transfer kar rahi hoon. Dhanyawad •••, aapka din shubh ho.
Advisor not on any platform asks about commission and RM support, gives the firm name, and is transferred.
Hello
Namaste, main ••• Sakshi baat kar rahi hoon. Kya meri baat ••• ho rahi hai?
Ji boliye.
••• ek bahut hi acchi business opportunity ke baare mein baat karni thi aap se. Aap busy toh nahi hai na? Kya abhi baat karna theek rahega?
Ji ji koi baat nahi boliye.
Great. Toh sabse pehle bataiye, aap abhi kis platform ya company ke saath IFA ke roop mein associated hain?
Filhaal koi platform ke saath nahi hoon main.
Accha, koi baat nahi. Toh main aapko batana chahti hoon ki ••• ke liye kya offer karta hai aur kyun bahut se IFAs hamare saath associate hona choose karte hain. Dekhiye, ••• mainly teen cheezon pe focus karte hain: solid support, strong commissions, aur ek aisa technology platform jo aapka kaam aasan bana de. Hum sirf platform nahi dete, ek dedicated RM aur adviser ki team dete hain jo genuinely har step par aapke saath khadi rehti hai. ••• ye sunkar aapko kaisa laga? Kya aap hamare saath aage baat karna chahenge?
Ji commission kitne ka hai? Kitna milta hai?
Equity products par 20% commission milta hai aur mutual funds mein 70% share hota hai.
Accha aur support aur RM wagera saare jab bhi main meeting mein join hounga tab aayenge kya?
Hello
Ji haan, bilkul. Aapko ek dedicated RM aur advisor milta hai jo har step par aapke saath rehta hai. Zaroorat padne par woh client meetings mein bhi aapke saath jaate hain.
Ji theek hai.
••• kya aap ••• ke saath aage baat karna chahenge? Main aapko hamari team se connect karwa sakti hoon jo aapko details samjha denge.
Ji ji, theek hai.
Bahut badhiya. Main aapko hamari team se connect karti hoon jo aapko poora onboarding process samjhayenge aur aapke sawalon ka detail mein jawab denge. Aage badhne ke liye, kya main aapki firm ya business ka naam jaan sakti hoon?
Ji mera firm ka •••
Aapki firm ka naam ••• samajh gayi. Aur hamari team isi number par aap se contact kare na?
Haan ji haan.
Theek hai ••• toh main abhi aapki call hamari specialist team ko transfer kar rahi hoon jo aap se aage ki baat karenge. Ek second rukiyega, main connect karti hoon.
Ji theek hai.
Dhanyawaad ••• aapka time dene ke liye. Hamari team jaldi hi aap se contact karegi. Aapka din shubh ho.
Advisor agrees, then interrupts the transfer and asks for a call tomorrow. Callback booked for 11 am.
Namaste, main ••• Sakshi baat kar rahi hoon. Kya meri baat ••• ho rahi hai?
Haan haan ji boliye.
Ek bahut hi acchi business opportunity ke baare mein baat karni thi aap se. Aap busy toh nahi hai na? Kya abhi baat karna theek rahega?
Jee jee boliye.
Great. Toh sabse pehle bataiye aap abhi kis platform ya company ke saath IFA ke roop mein associated hain?
Jee main company ke saath hoon, main bata nahi sakta par.
No problem. Toh main aapko batana chahti hoon ki ••• aapke liye kya offer karta hai aur kyun bahut se IFAs humare saath associate hona choose karte hain.
Jee jee boliye.
Dekhiye, ••• hum mainly teen cheezon pe focus karte hain: solid support, strong commissions, aur ek aisa technology platform jo aapka kaam aasaan bana de.
Yeh commission kitna dete hain?
Equity products par 20% commission milta hai aur mutual funds mein 70% share hota hai.
Aur support kaise, matlab support ka matlab kya?
Bilkul. Aapko ek dedicated RM aur advisor milta hai jo har step par aapke saath rehta hai.
Accha.
••• yeh sunkar aapko kaisa laga? Kya ••• baat aage baat karna chahenge?
Haan ji karwaiye.
Bahut badhiya. Main aapko humari team se connect karti hoon. Sabse pehle...
Nahi, abhi, abhi nahi, baad mein kariye.
Koi baat nahi. Aapke liye kaun sa time convenient rahega jab main dobara call kar loon?
Jee kal aapki marzi jab bhi hoga tab.
Theek hai ••• toh main aapko kal subah 11:00 baje call karti hoon. Dhanyavaad. Aapka din shubh ho.
Advisor is busy today. Callback booked for tomorrow at 11 am.
Namaste. Main ••• Sakshi baat kar rahi hoon. Kya meri baat ••• ho rahi hai?
Haan ji.
Ek bahut hi achhi business opportunity ke baare mein baat karni thi aap se. Aap busy toh nahi hai na? Kya abhi baat karna theek rahega?
Haan ji boliye.
Great. Toh sabse pehle bataiye, aap abhi kis platform ya company ke saath IFA ke roop mein associated hain?
Ji main us company ka naam nahi le sakta par hoon main ek company ke saath associated.
No problem. Toh main aapko batana chahti hoon ki ••• aapke liye kya offer karta hai aur kyun bahut se IFAs hamare saath associate hona choose karte hain.
Ji theek hai.
Dekhiye, ••• hum mainly teen cheezon pe focus karte hain: solid support, strong commissions, aur ek aisa technology platform jo aapka kaam aasaan bana de.
Achha, commission kitna de rahe ho?
Equity products par 20% commission milta hai aur mutual funds mein 70% share hota hai.
Support, support matlab kya? Matlab support kaise milta hai?
Bilkul. Aapko ek dedicated RM aur advisor milta hai jo har step par aapke saath rehta hai.
Achha.
Toh ••• yeh sunkar aapko kaisa laga? Kya ••• ke saath aage baat karna chahenge?
Ji theek hai, par abhi main aaj busy hoon.
Koi baat nahi. Aapke liye kaun sa time convenient rahega? Main dobara call kar loon?
Ji kal, kal kariye. Kal kitne baje bhi chalega.
Theek hai •••. Main aapko kal subah 11:00 baje call karti hoon. Dhanyawad.
Dhanyawad.
Advisor asks for detail on commission slabs and team size, wants time to think. Callback booked for 3 pm tomorrow.
Hello. Namaste. Main ••• Sakshi baat kar rahi hoon. Kya meri baat ••• se ho rahi hai?
Ji.
Ji, namaste •••. Ek bahut hi acchi business opportunity ke baare mein baat karni thi aap se. Aap busy toh nahi hai na? Kya abhi baat karna theek rahega?
Haan baat kar sakte hain abhi.
Great. Toh sabse pehle bataiye, aap abhi kis platform ya company ke saath IFA ke roop mein associated hain?
Abhi woh company ka naam nahi le sakti hoon, thoda confidential hai, lekin ek company ke saath associated hoon abhi.
Koi baat nahi, main samajh sakti hoon. Toh main aapko batana chahti hoon ki ••• ke liye kya offer karta hai aur kyun bahut se IFAs humare saath associate hona choose karte hain. Dekhiye, ••• main teen cheezon pe focus karte hain: solid support, strong commissions, aur ek aisa technology platform jo aapka kaam aasaan bana de. Hum sirf platform nahi dete, ek team dete hain jo genuinely aapke saath khadi rehti hai. Humare yahan aapko ek dedicated RM aur advisor milta hai jo har step par aapke saath rehta hai. ••• Yeh sunkar aapko kaisa laga? Kya aap ••• ke saath aage baat karna chahenge?
Aapki company mein commission kitna milta hai mujhe?
Equity products par 20% commission milta hai aur mutual funds mein 70% share hota hai.
Thoda aur bata sakte hain iske baare mein?
Mutual funds ka slab-wise AUM ke hisaab se hota hai aur yeh negotiable bhi hai. Insurance aur PMS jaise products ki commission product ke hisaab se alag hoti hai, jiski exact details humari specialist team aapko bata degi. Kya main aapko unse connect karwa doon?
Nahi, aap yeh bata sakte ho ki support kaise milta hai, matlab kitne size... team ka size kitna hota hai jo mere saath aur mere liye kaam karega?
Bilkul. Aapko ek dedicated RM aur advisor milta hai jo har step par aapke saath rehta hai. Aur zaroorat padne par woh client meetings mein bhi aapke saath jaate hain taaki aapka kaam aur bhi aasaan osake. ••• Yeh sunkar aapko kaisa laga? Kya aap ••• ke saath aage baat karna chahenge? Humari specialist team aapse contact kar sakti hai.
Theek hai, main soch ke bataati hoon.
Ji, main sun rahi hoon. Bilkul, aap aaraam se soch lijiye. Koi jaldi nahi hai. Main aapka number note kar leti hoon. Humari team aapse follow-up kar legi. Aur aapne platform ke baare mein pucha, toh main bata doon ki humara apna dedicated dashboard hai jismein client onboarding, transactions, aur reporting sab kuch ek hi jagah milta hai. Kya main humari team ko bolun ki woh aap se thode din baad baat kar lein?
Haan, bata dijiye. Bata dijiye aapki team ko. Thank you.
Ji, maine kal dopahar 3 baje ka callback schedule kar diya hai. Humari team aapki contact karegi. Dhanyawaad aapka time dene ke liye. Aapka din shubh ho.
The number is matched to the loan, card or policy record: the amount due, the date, the last conversation and any promise already made. Calling hours and attempt limits are checked before the dial.
The right person is confirmed before any account detail is spoken. The agent states the amount and the date from the record, takes the promise or the instruction, and sends the payment, KYC or renewal link on WhatsApp while the customer is on the line.
Disputes, hardship and any request for a person go to your team live, with the transcript summary and the promise history on screen. A supervisor can approve an exception on Slack while the caller holds.
Outcome tag, transcript and recording are written to the loan, card or policy system. The promise date or callback is scheduled, and a confirmation goes to the customer on WhatsApp.
Each agent starts from an accelerator, so a use case is on live calls in about one month.
The opening is fixed in the script. It is the same on every call, in every language.
The agent confirms it is speaking to the customer before it mentions any account detail.
Your organisation's name and the purpose of the call, in the words your compliance team approved.
The agent says it is an AI assistant and that the call is recorded.
Only then does the script move to the amount, the date or the KYC update.
Calls are placed only inside the hours you set, for example 8 am to 7 pm for recovery calls. Outside them the system does not dial.
A limit on attempts per customer, and a record of every attempt, answered or not.
Recording, transcript and outcome tag for each call, retrievable by loan or policy number.
PII is masked in transcripts and logs. Access is by role. The agent never asks for an OTP, PIN or password.
The agent runs in your Google Cloud project, in region. Recordings and customer data stay in your storage.
Disputes, hardship cases and any request for a person are transferred live, with the transcript summary.
The agent runs in the Google Cloud region closest to your customers. This is fixed before the build, since reply time cannot be tuned afterwards.
The agent mirrors the customer turn by turn, so it follows the customer's language and not a setting.
A supervisor routes to small agents that share the state of the call. The script grows by adding agents.
A health-checked fallback model in the same region takes over mid-call, with the state of the call intact.
Your team member sees the intent, the transcript summary and the captured details before speaking.
An analyzer agent keeps each account open until it reaches an end state: paid, promise kept, or handed to your team.
Anything not on this list, including your loan or policy system, is connected through its API during pilot setup. Tilicho builds and maintains it at no extra cost.
More than 25 languages: Hindi, Hinglish and the Indian languages, and for other markets Bahasa Indonesia, Malay, Thai, Vietnamese, Filipino, Arabic, Spanish, French, German and Portuguese among others. The agent switches language during the call when the customer does.
The call is transferred live to your team with the transcript summary, so the customer does not repeat the case. You decide which cases always go to a person, such as disputes and hardship.
In your own Google Cloud project and your storage. Tilicho runs the agent inside that project.
No. The agent connects to your existing numbers and systems. There are more than 50 integrations, and other systems are connected through their APIs during setup.
By the number you choose in week 0, for example promises to pay captured or KYC updates completed, reviewed every week against your current baseline.
A 30-minute session: a live call with the agent, then a walk through one use case of yours, such as card delivery, collections or re-KYC.