EMI past-due — payment nudge

"Hello, am I speaking with {{first_name}}? This is Acme Bank's automated reminder service. This call is being recorded."

"Yes / no — are you {{first_name}}?"

"Your EMI of ₹{{emi_amount}} was due on {{due_date}}. Would you like to pay now over UPI, or schedule for the next 7 days?"

"Press 1 to pay now. Press 2 to schedule. Press 3 to speak to an agent."