Loan Advisory Agent using Pipecat
Overview
This guide demonstrates how to build a voice-based loan advisory agent that helps customers understand loan products, eligibility, and application processes using Pipecat for real-time communication and Sarvam AI for speech processing. Perfect for banks, NBFCs, fintech companies, and lending platforms serving Indian customers.
For the broader architecture pattern this agent fits into, compliance guardrails, model/param choices, latency targets, see the BFSI Voice Bots use-case guide.
What You’ll Build
A loan advisory agent that can:
- Explain different types of loans (personal, home, vehicle, business, education)
- Help customers understand eligibility criteria and required documents
- Provide information about interest rates, EMIs, and loan tenure
- Guide customers through the application process
- Answer questions in multiple Indian languages
Quick Overview
- Get API keys (Sarvam)
- Install packages
- Create
.envfile with your API keys - Write the agent code
- Run with appropriate transport
Quick Start
1. Prerequisites
- Python 3.9 or higher
- API keys from:
- Sarvam AI (get API key from dashboard)
2. Install Dependencies
macOS/Linux
Windows
3. Create Environment File
Create a file named .env in your project folder and add your API keys:
Replace the values with your actual API keys.
4. Write Your Agent
Create loan_advisor.py:
5. Run Your Agent
The agent will create a Daily room and provide you with a URL to join.
6. Test Your Agent
Open the provided Daily room URL in your browser and start speaking. Your loan advisor will listen and respond!
Customization Examples
Example 1: Hindi Loan Advisor
For Hindi-speaking customers:
Example 2: Tamil Loan Advisor
Example 3: Multilingual Advisor (Auto-detect)
For diverse customer bases:
Example 4: Speech-to-English Advisor (Saaras)
When customers speak regional languages but you need English processing:
Available Options
Language Codes
Speaker Voices (Bulbul v3)
Male (23): Shubh (default), Aditya, Rahul, Rohan, Amit, Dev, Ratan, Varun, Manan, Sumit, Kabir, Aayan, Ashutosh, Advait, Anand, Tarun, Sunny, Mani, Gokul, Vijay, Mohit, Rehan, Soham
Female (14): Ritu, Priya, Neha, Pooja, Simran, Kavya, Ishita, Shreya, Roopa, Tanya, Shruti, Suhani, Kavitha, Rupali
TTS Additional Parameters
Customize the voice for professional financial advisory:
Understanding the Pipeline
Pipecat uses a pipeline architecture where data flows through a series of processors:
- Transport Input: Receives audio from the customer
- STT (Speech-to-Text): Converts audio to text using Sarvam’s Saaras v3 (transcription via
mode="transcribe", or translation to English viamode="translate") - Context Aggregator (User): Adds customer’s query to conversation context
- LLM: Generates advisory response using Sarvam
- TTS (Text-to-Speech): Converts response to audio using Sarvam’s Bulbul
- Transport Output: Sends audio back to the customer
- Context Aggregator (Assistant): Saves advisor’s response to context
Pro Tips
- Use
language="unknown"to support customers who code-mix (Hinglish, etc.) - Use professional voices like
adityafor financial services - Sarvam’s models handle code-mixing naturally
- Always maintain compliance - never guarantee loan approvals
- Consider integrating with your loan management system for real-time information
Troubleshooting
API key errors: Check that all keys are in your .env file and the file is in the same directory as your script.
Module not found: Run the installation command again based on your operating system.
Poor transcription: Try language="unknown" for auto-detection, or specify the correct language code.
Connection issues: Ensure you have a stable internet connection and the transport is properly configured.
Additional Resources
- Sarvam AI Documentation
- Pipecat Documentation
- Pipecat Sarvam LLM Service
- Pipecat GitHub Repository
- Daily.co Documentation
Need Help?
- Sarvam Support: developer@sarvam.ai
- Community: Join the Discord Community
Happy Building!