💬 Live Chat Flows

See Hisaab in Action

Three real WhatsApp conversations showing how Ravi the fruit vendor gets a ₹8,000 loan in under 2 minutes.

Step 1 of 3

Ravi sends his request

Ravi opens WhatsApp at 10pm and messages Hisaab in Hindi. No form, no account setup — just a message.

10:02 PM 📶 ●●●●

ह

Hisaab — Loan Assistant

🟢 Online

📹 📞 ⋮

👋 Namaste! Main Hisaab hoon — aapka WhatsApp loan assistant. Kya main aapki madad kar sakta hoon?

9:58

🎙️

0:08

10:02

✓✓

🎙️ Voice note received — transcribed:

"Mujhe kal subah ke liye 8,000 rupaye chahiye. Mera naam Ravi hai, main sabzi bechta hoon Andheri market mein. Mujhe aaj raat supplier ko payment karni hai."

10:02

Shukriya Ravi ji! ₹8,000 ek din ke liye — main aapki madad karta hoon. Mujhe bas ek photo chahiye aapke supplier ke bill ki. 📸

10:02

😊

Message

📎

🎙️

Voice note → Auto-transcribed

10:04 PM 📶 ●●●●

ह

Hisaab — Loan Assistant

🟢 Online

📹 📞 ⋮

🧾

Supplier bill — Mahesh Sabziwala

10:03

✓✓

Bill dekh liya! 📋

Extracted details:
🏪 Mahesh Sabziwala
💰 Amount: ₹7,800
📅 Date: Aaj
✅ Bill authentic lag raha hai

10:04

3 chhote sawaal aur, Ravi ji — phir decision! 🚀

10:04

😊

Message

📎

➤

📸 Bill photo → OCR extracted

Step 2 of 3

AI asks the right questions

Hisaab asks 3 targeted follow-up questions — the same ones a good loan officer would ask. No paperwork, no branch.

10:05 PM 📶 ●●●●

ह

Hisaab — Loan Assistant

🟢 Online

📹 📞 ⋮

Sawaal 1: Aap kitne time se Andheri market mein kaam kar rahe hain? 🏪

10:04

3 saal se, same jagah 🙂

10:05

✓✓

Sawaal 2: Roughly rozana kitni kamayee hoti hai aapki? Sirf approximate bataiye.

10:05

1500 se 2500 ke beech, weekends pe zyada

10:05

✓✓

Sawaal 3: Pehle koi loan liya hai? Wapas kiya?

10:05

Haan, ek baar bank se liya tha, time pe wapas kiya

10:06

✓✓

😊

Message

📎

➤

3 questions · 90 seconds

10:06 PM 📶 ●●●●

ह

Hisaab — Loan Assistant

🟢 Processing...

📹 📞 ⋮

🔍 Aapka Trust Score ban raha hai...

💬 Conversational consistency ✅

📄 Bill authenticity ✅

🏪 Business tenure (3 years) ✅

💰 Cash-flow estimate ✅

📜 Prior repayment history ✅

Trust Score

78 / 100

ELIGIBLE ✓

10:06

😊

Message

📎

➤

🛡️ Trust Score: 78/100 — Eligible

Step 3 of 3

Decision delivered. Ravi restocks.

Loan amount, repayment plan, and next steps — all in one WhatsApp message. Total time: under 2 minutes.

10:07 PM 📶 ●●●●

ह

Hisaab — Loan Assistant

🟢 Online

📹 📞 ⋮

🎉 Badhaai ho, Ravi ji!

Aapka loan approve ho gaya hai. Yahan hai aapka offer:

💰 Loan amount: ₹8,000
📅 Repayment: 7 din
💳 Roz: ₹1,200 (7 din, phir ₹800)
📊 Interest: ₹200 total (2.5%)

✅ Confirm karne ke liye reply karein "HAAN"

10:07

HAAN 🙏

10:07

✓✓

✅ Confirmed! Aapke account mein ₹8,000 transfer ho rahe hain.

Kal subah 6 baje tak aapke wallet mein honge. Restock karo, khub kamao! 🌿

10:07

😊

Message

📎

➤

✅ Approved in <2 minutes

6:00 AM 📶 ●●●●

ह

Hisaab — Loan Assistant

🟢 Online

📹 📞 ⋮

🌅 Subah ki namaskar, Ravi ji!

Aaj aapka Day 1 repayment hai:
💳 ₹1,200 aaj sham tak

Aapka fresh sabzi stock kar liya? Aaj ka din badhiya rahe! 🥕🍅

6:00 AM

Haan! Stock ho gaya, market mein hoon. Payment kar deta hoon sham ko 🙏

6:04 AM

✓✓

💪 Jabardast! Sham ko payment reminder bhejenge. Aaj ki bikri acchi rahe!

6:04 AM

Today, 7 PM

⏰ Hi Ravi ji! Aaj ka ₹1,200 payment reminder.
UPI link: pay.hisaab.in/ravi

7:00 PM

Done! Payment kar diya 💸

7:18 PM

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✅ Received! Day 1 complete. 6 din aur. Bahut badhiya! 🌟

Your Trust Score: 79 (+1)

7:18 PM

😊

Message

📎

➤

📅 Daily repayment tracking

Ravi's full journey: 4 minutes 38 seconds

0

Apps downloaded

0

Branch visits

0

Credit bureau checks

₹8,000

Working capital secured

<2 min

Decision time

See full activity submission How the AI works