Introduction: Loan Recovery Mein Delay – Kya Sach Mein Borrower Ka Fault Hai?
Microfinance aur NBFC operations mein loan recovery delay ek common challenge hai. Field officers roz borrowers se excuses sunte hain: “Payment kal kar denge,” “EMI due date bhool gaya tha,” ya “Aapne pehle bataya hi nahi.” Isse repayment schedule disturb hota hai aur recovery process slow ho jaata hai.
Lekin kya socha hai, ki asli problem follow-up aur timely reminder system ka na hona hai? Manual calls aur visits time-consuming, expensive, aur kabhi accurate nahi hote. Agar borrowers ko due date se pehle hi timely SMS reminder milne lage, to repayment habits dramatically improve ho sakti hain.
Is blog mein hum samjhenge kaise FYCIS ka Auto-SMS Reminder Feature loan recovery process ko simplify karta hai, borrowers ko disciplined banata hai, aur aapke collection efficiency ko next level par le jaata hai.
Sir, payment kal kar denge.”
“Madam, mai EMI due date bhool gaya tha, isliye isbaar time par Pay nahi kar paaya”
“Bhaiya, aapne pehle bataya hi nahi EMI ke baare mein…”
Aapke field officers ko bhi shayad har week aise excuses sunne padte hain.
Aur fir EMI recovery delay hoti jaati hai.
Lekin sochiye, agar borrower ko due date ke pehle se hi SMS milne lage, toh kya wo payment bhoolega? Probably not.
Loan recovery mein sabse bada issue hai: follow-up aur timely reminder system na hona.
Aur isi problem ko solve karta hai FYCIS ka Auto-SMS Reminder Feature.
The Problem: Borrower Forgets, and EMI gets Delayed
Har microfinance business ka ek yehi pain-point hota hai ki, “Borrowers time par EMI nahi dete aur loan recovery meh problem hoti hai”.
Manual follow-ups karna:
- Time-consuming hai
- Expensive hai
- Aur kabhi kabhi, accurately kaam nahi karta
Borrowers bahut busy hote hain. Kabhi bhool jaate hain, kabhi intentional delay karte hain.
Lekin ek simple, timely reminder SMS unhe discipline mein laa sakta hai.
But How Does It Help?
Reduces Human Dependency
Field officers ya branch staff ko har borrower ko call karne ki zarurat nahi.
System se SMS auto-chala jata hai, bina kisi manual step ke.
Aapka team relief mehsoos karta hai, aur borrower timely alert ho jata hai.
Builds Borrower Discipline
Jab borrower har mahine ek din pehle SMS padh leta hai, wo mentally prepare ho jata hai.
Wo EMI ke paise ready rakhta hai aur excuses kam ho jate hain.
Yeh feature borrower ke mind mein loan seriousness ko reinforce karta hai.
Saves Time & Manpower
Imagine: Aapke 500 borrowers hain.
Har ek ko manually call karne meh 2 se 5 mins lag jaate hai.
Auto-SMS system se yeh pure din ka kaam 2 minutes mein ho jata hai.
Works Even in Low-Connectivity Areas
Phone calls fail ho sakti hain. Lekin SMS mostly deliver ho jata hai, even in remote towns and villages.
Iska matlab: Har borrower tak message pahuchta hai, chahe vo kisi bhi location mein ho.
Boosts On-Time Recovery Rate
FYCIS users ne report kiya hai ki reminder SMS ke baad loan repayment punctuality 20–30% tak improve hoti hai.
Timely repayment =
✔ Better cash flow
✔ Lower NPA
✔ Stronger portfolio performance
Aur kaise? FYCIS Auto-SMS Reminder se
FYCIS, a smart loan management software hai jo aapko useful feature provide karta hai taki aapka kaam smoothly ho sake!
- Har borrower ko unki due date se ek do din pehle reminder SMS chala jata hai
- Message me unka EMI amount, date aur payment instructions clearly mention hota hai
- Aapko manually call karne ki zarurat nahi padti Result? On-time payments increase hote hain, aur field collection efforts kam.
Why It Matters More Than Ever
Post-COVID era mein borrowers ki repayment habits aur bhi fragile ho gayi hain.
Discipline lane ke liye aapko sirf field visits pe rely nahi karna chahiye.
Ek digital habit jaise ki SMS reminder aapka best silent recovery tool ban sakta hai.
FYCIS Software is reliable and trusted by 200+ Institutions
Loan Recovery Time Par Nahi Ho Pa Rahi Hai? Here’s What’s Missing. Humne already kayi microfinance Companies ki help ki hai usko loan recovery meh.
Agar aap bhi Interested hai toh? Call Our Experts Today
Loan Recovery Time Par Nahi Ho Pa Rahi Hai? Here’s What’s Missing.
