Dhana
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Voice AI for banks, NBFCs and lenders

Conversational AI for regulated lending.

Dhana phones every new lead in the language you choose for them, checks consent before every dial, and sends the outcome straight back to your systems.

Get startedHear a call

11 languages

  • हिन्दी
  • বাংলা
  • తెలుగు
  • मराठी
  • தமிழ்
  • ગુજરાતી
  • ಕನ್ನಡ
  • മലയാളം
  • ଓଡ଼ିଆ
  • ਪੰਜਾਬੀ
  • English

Working with and backed by

  • Paisa247: Client
  • Kerala Bank: Partner
  • Mayyanad Regional Co-operative Bank: MoU
  • Group Meeran: Investor
  • JAIN University: Investor
  • Innovation Incubator: Incubator
  • IIT Madras: Incubator
  • Kerala Startup Mission: Recognised startup
  • Startup India: DPIIT recognised
  • Amazon Web Services: Cloud
  • Google Cloud: Cloud

Lead in.Phone rings.

Your system posts a lead the moment it lands, and Dhana queues the call straight away, inside calling hours.

How it works

One request in. One phone call. One outcome back.

  1. 01

    You send the lead

    One HTTPS request to POST /v1/calls with the contact, the language to call them in, and their consent.

  2. 02

    The phone rings

    Dhana checks the consent and your suppression list, then calls in your name. It holds the conversation, and never makes a lending decision.

  3. 03

    The outcome comes back

    A signed webhook reaches your endpoint with the outcome, the duration and the attempt number. The same record is already in your console.

POST api.dhana.app/v1/calls
X-API-Key: dh_live_••••••••

{
  "lead_id": "LD-40219",
  "campaign_code": "NEW-LEADS",
  "applicant": { "first_name": "Rahul",
    "phone_e164": "+9198XXXXXX21",
    "preferred_language": "hi" },
  "consent": { "status": "granted", … },
  …
}
201 · queued
  • Consent on file
  • Not on your suppression list
POST your webhook
X-Dhana-Signature: t=1791263632,v1=9f2c…

{
  "eventId": "…",
  "eventType": "call.completed",
  "data": {
    "leadId": "LD-40219",
    "attemptNumber": 1,
    "outcome": "spoke_to_borrower",
    "durationSeconds": 137.4,
    …
  }
}

LD-40219 · Spoke to borrower · 2:17 · Hindi

Hear a call

Hear Dhana on a call.

A staged call with a demo agent our team built for this page. A member of our team plays the borrower, and Nilavu Finance is a made-up lender. Nothing inside the call is cut: we only trimmed the silence before the first word, faded out the last moment, and levelled the volume.

0:00 / 1:25
  1. Hello, this is Meera, a digital assistant from Nilavu Finance. Am I speaking with Rahul?
  2. Yeah, you're speaking with Rahul.
  3. Oh, great! I am calling about the personal loan application you started on the Nilavu Finance website a few minutes ago. This call is recorded. Is this a good moment for a quick chat?
  4. Yeah.
  5. That is wonderful! So, do you still need that personal loan?
  6. Yeah, I'm looking for a personal loan.
  7. I am so glad to hear that! The next step is just uploading a few documents on the same page of the website. Do you have any questions?
  8. Yeah, what's the interest rate on these loans?
  9. I understand your concern. Actually, the interest rate depends on your profile and will be shown in the offer on the website before you agree. Is anything else unclear?
  10. Yeah, what are the documents that are needed?
  11. Sure thing! You will usually need your PAN card, an Aadhaar card, and some salary slips or bank statements. Does that help?
  12. Yeah.
  13. That is great! Do you think you can finish the upload today?
  14. Yeah, I'll do the upload.
  15. That is wonderful to hear! Thank you so much for your time.

Speakstheir language.

  • हिन्दीHindi hi
  • বাংলাBengali bn
  • తెలుగుTelugu te
  • मराठीMarathi mr
  • தமிழ்Tamil ta
  • ગુજરાતીGujarati gu
  • ಕನ್ನಡKannada kn
  • മലയാളംMalayalam ml
  • ଓଡ଼ିଆOdia or
  • ਪੰਜਾਬੀPunjabi pa
  • EnglishEnglish en

Set preferred_language on each contact and the call opens in that language.

Your console

Every call, in your console.

Each campaign at a glance: leads received, calls placed and answered, how calls ended, and how many leads became interested borrowers.

Built for lending

Built for regulated lending.

Controls for recorded lending calls, all of them live today.

Consent is checked before every dial

A call goes out only with consent on file for the conversation and its recording. Numbers on your suppression list are never rung.

Never rung twice within 90 minutes

Even when two leads arrive for the same number, a borrower's phone does not ring again for 90 minutes.

You set how each campaign calls

Calls per day, the gap between them, and the days it calls.

Answered calls, transcribed and recorded

Read it in the borrower's language or in English, and play the recording.

Start and pause from your console

Start a campaign when you are ready. Pause it in one click.

Your documents behind every call

Send us your FAQs and product sheets. Once a document is live, it is in use on your calls.

Runs in India

Hosted in Mumbai. The models run on infrastructure inside India.

Dhana never makes a lending decision.

It does not assess credit, decide eligibility or price a loan. Your rules do.

Agents

Written by our team. Chosen per campaign.

Our team writes and tunes your agent, and can prepare a separate build for each kind of call. Your console lists every build: what it covers, the languages it speaks, and the campaigns set to it.

Example dataOne agent, Loan assistant, with a build for each kind of call

  • Loan assistant

    New leads

    Used by new campaigns
    v12

    Calls new personal-loan leads and helps them finish their application.

    Speaks
    Hindi, English, Tamil and Telugu
    Maximum call length
    3 minutes
    Campaigns set to this build
    • NEW-LEADS
    • CALLBACKS
    • SEPT-FOLLOW-UP
  • Loan assistant

    Document follow-ups

    v14

    Calls applicants who stopped partway, and goes through the documents an application needs.

    Speaks
    Hindi, Marathi and English
    Maximum call length
    2 minutes
    Campaigns set to this build
    • DOCS-PENDING
  • Loan assistant

    Welcome calls

    v15

    Calls new borrowers to welcome them and explain what happens next.

    Speaks
    Hindi, Bengali and English
    Maximum call length
    2 minutes
    Campaigns set to this build
    • WELCOME

Change it without touching your integration.

Ask for a change and our team releases it as a new build. Your administrator moves a campaign onto it in the console, and every call that campaign places from then on uses it.

Coming soon

Edit your agent yourself.

Today our team writes every part of your agent with you. We plan to let you change the script, the voice, the languages, the documents and how long a call may run in your console, and publish a new build yourself. Deeper changes stay with our team.

Coming soon
Loan assistantDraft · v16
Opening line

Hello first_name, I'm calling about your personal loan application. Is this a good time to talk?

What the call is for

Help the borrower finish their application. If now is not a good time, offer a callback.

How it ends

Thank them, and confirm the next step.

Voice
  • WarmFemale · unhurried
  • ClearFemale · brisk
  • SteadyMale · calm
Speaking paceNatural
Languages it speaks
  • हिन्दीHindi
  • বাংলাBengali
  • తెలుగుTelugu
  • मराठीMarathi
  • தமிழ்Tamil
  • ગુજરાતીGujarati
  • ಕನ್ನಡKannada
  • മലയാളംMalayalam
  • ଓଡ଼ିଆOdia
  • ਪੰਜਾਬੀPunjabi
  • EnglishEnglish

Each call opens in the language you send with the lead.

Documents its calls draw on
  • PDFPersonal loan FAQ.pdf
  • DOCHow to apply.docx
  • PDFDocuments you will need.pdf

Switched on means in use on this build's calls.

Instructions it is given
  • Never say a loan is approved.
  • Only quote figures from your documents.
  • If the borrower asks not to be called again, end the call politely.
  • Offer a callback when the borrower is busy.
Maximum call length3 min

How long a call on this build may run.

Integrations

Build the workflow once. Every lead follows it.

Your automation tool hands each new lead to Dhana, and a signed webhook brings back how the call went. Build it in n8n, Zapier, Make or your own code, and send each result where it belongs.

A signed call.completed arrives after every call, answered or not.

  1. When a new lead arrives
    • Website form
    • HubSpot
    • Lead partner
  2. Dhana calls the leadPOST /v1/calls. No answer or busy? Tried again at your pace.
  3. After every call, answered or not, a signed call.completed arrives and the result is routed
    • interested_continuingHubSpot and Gmail
    • callback_requestedAsana
    • anything elseGoogle Sheets

Use n8n, Zapier, Make or your own code.

Each one calls our API with your key and receives our signed webhooks, so there is no Dhana app to install. n8n is in use today.

  • n8n
  • Zapier
  • Make
  • Your own code

From your automation tool, results can go on to thousands of other apps, such as these.

Names and logos belong to their owners, none of whom endorses Dhana. Your automation tool reaches these apps, not Dhana. What it sends on leaves Dhana's systems, under your own agreements with those apps.

Coming soon

Connect your apps from the console.

Today your automation tool connects Dhana to the apps you use. We plan to let you connect them straight from your console: choose the app, sign in, and pick what each call result updates.

Coming soon

Developers

Connects to the systems you already run.

One request places a call, and one signed webhook tells you how it went. Anything that can send an HTTPS request works: n8n, your CRM, your loan origination system.

  • Send the same lead_id again and no second call is placed.
  • Webhooks are signed, and retried for about 22 hours if your endpoint is down.
  • Test keys ring only the numbers you nominate.
  • Every call is readable from GET /v1/calls, or as a CSV.
Read the API reference →
$ curl https://api.dhana.app/v1/calls \    -H "X-API-Key: $DHANA_KEY" \    -H "Content-Type: application/json" \    -d '{      "lead_id": "LD-40219",      "lead_created_at": "2026-10-06T10:40:52+05:30",      "campaign_code": "NEW-LEADS",      "applicant": { "first_name": "Rahul", "phone_e164": "+9198XXXXXX21",                     "preferred_language": "hi" },      "consent": { "status": "granted", … }    }' 201  { "call_id": "…", "status": "queued" }

Inbound callsComing soon

Soon, when they ring back, your agent will answer.

Borrowers who miss your call will be able to ring a number you publish and speak to your agent.

Questions

Questions lenders ask us.

Which languages does Dhana speak?

Eleven: Bengali, English, Gujarati, Hindi, Kannada, Malayalam, Marathi, Odia, Punjabi, Tamil and Telugu. You choose the language for each contact when you send it.

Where is our data kept?

In India. The platform runs in Mumbai, and the models run on infrastructure inside India. Call recordings are stored and served from India too. Results you send on to other apps, through our webhook or your own tools, fall under your agreements with those apps.

How do we send leads to Dhana?

Post each lead to the API the moment it lands, or upload a file of contacts in your console. Anything that can make an HTTPS request works: n8n, Zapier, Make or your own code.

Can different campaigns say different things?

Yes. Our team can prepare a separate build of your agent for each kind of call. Each campaign is set to one build at a time, and your administrator can move it to another build we have made available.

Can we change what the agent says?

Yes. Tell us what to change and our team releases it as a new build. Your administrator moves a campaign onto it in the console, and every call that campaign places from then on uses it. Making the change yourself in the console is coming soon.

Does Dhana work with our CRM?

Yes. A signed webhook sends the result of every call, so n8n, Zapier, Make, any other tool that can receive a webhook, or your own code can update your CRM. Connecting apps straight from your console is coming soon.

Can borrowers call us back?

Not yet. Inbound calls are coming soon: borrowers will be able to ring a number you publish and speak to your agent. Until then, a borrower who rings back does not reach your agent.

Does Dhana decide who gets a loan?

No. Dhana never assesses credit, decides eligibility or prices a loan. It holds the conversation; your rules and your people make every decision.

How is consent handled?

A lead sent by API carries its own consent: what it covers, when it was given and where. A file you upload carries one confirmation for the whole file. Without consent for the call and for recording it, the call is refused. If a borrower asks on a call not to be called again, their number goes straight onto your suppression list, which every campaign checks before it dials. Screening against the national do-not-call register stays with you.

Can we hear our calls?

Yes. People you allow can read each call's transcript where one was captured, in the language of the call and in English where both are held, for 180 days, and play its recording for 90 days.

Can we try it before it calls borrowers?

Yes. Until your account is cleared for live calling, and with a test key at any time, Dhana rings only the numbers you nominate, so your team hears the agent first.

How are we billed?

Usually in advance: you add calling credit in your console, and usage is recorded call by call. Your rates and payment terms are set in your agreement.

Get started

Put a real conversation in front of every lead.

Apply for your workspace and hear the agent on your own phone first.

Get startedTalk to usRead the API reference

Every request for access is reviewed by our team. Until your account is cleared for live calling, Dhana rings only the numbers you nominate.

Talk to us

Write to us.

Tell us about your lending and what you'd like your calls to do. We'll write back.

support@dhana.app

Open your email appWrite in Gmail