Banks, NBFCs, and insurers are increasingly using Voice AI to automate customer calls—but compliance is critical. This guide explains how...
11 March 2026
On February 12, 2025, the Telecom Regulatory Authority of India (TRAI) published the Telecom Commercial Communications Customer Preference (Second Amendment) Regulations, 2025. This updated the TCCCPR framework first put in place in 2018. The document arrived in the official gazette without much attention. Most businesses set it aside. Very few took action in time.
Now, over a year later, these rules carry real consequences for any business that reaches customers by phone. For those who use automated voice systems — whether for collections, service reminders, or outbound sales — the new rules change what is allowed, who can call, when they can call, and what proof of consent they must hold. Voice AI compliance in India is no longer a separate question from general call compliance — the February 2025 amendment makes it explicit that automated systems are held to exactly the same standard as human-operated call centres.
The Core Point: India's TCCCPR framework governs who can make commercial voice calls, how those calls must be classified, and what consent a business must hold before dialling. The February 2025 amendment tightened every one of those rules at once and gave businesses a 13-month window. That window closes on March 10, 2026.
India has one of the highest rates of unwanted commercial calls in the world. By the mid-2020s, the average Indian mobile user received more than 17 unsolicited promotional calls per month. Despite the 2018 TCCCPR framework introducing DLT registration and mandatory caller headers, the system had clear gaps.
Businesses had learned to exploit the “Service Explicit” voice call category — a classification meant for calls made with a customer’s clear consent about a specific service. In practice, it became a way to make promotional calls under the label of service communication. This allowed businesses to bypass DND restrictions and reach customers they had no valid consent to contact.

| Promotional and marketing calls | 140 series | Product offers, sales calls, campaign outreach |
| Service and transactional calls | 1600 series | Loan updates, EMI reminders, KYC calls, fraud alerts, policy updates |
| Government service calls | 1601 series | Public authority communication |
| Cost per Call | $2–$5 | $0.30–$0.70 |
| CSAT | ~3.0/5 | ~4.4/5 |
| Feb 12, 2025 |
Amendment published Most provisions take effect 30 days from this date. New call category definitions, consent rules, and the two-telemarketer limit come into force on March 14, 2025. |
|
| Apr 13, 2025 |
New complaint process goes live Faster complaint resolution, sender appeal rights, and TRAI's direct enforcement power become active 60 days after the amendment was published. |
|
| May 6, 2025 |
Call header labels become mandatory All commercial calls must carry the correct category identifier. The DLT system enforces this automatically based on how each caller ID is registered. |
|
| Mar 10, 2026 |
Final deadline: Service Explicit calls move to Promotional All voice call templates listed under "Service Explicit" must be re-categorised as Promotional if they carry any marketing or upsell intent. There is no grace period. |
“India has 1.4 billion mobile subscribers. TRAI just changed the rules under which every commercial call reaches every one of them. This is not a compliance footnote. It is an infrastructure shift.”
|
⚠ The March 10 Risk in Plain Terms If your business places calls classified as "Service Explicit" that contain any promotional or upsell intent — such as "Your loan has been processed, would you like to increase your limit?" or "Your policy is active, consider adding critical illness cover" — those call records must be re-listed as Promotional by March 10, 2026. Promotional calls cannot be placed outside permitted hours and cannot reach numbers on India's DND list. Your reach and your call windows change from that date. |
• Voice call compliance is a regulatory and operational design challenge, not just a technology one
• Outbound commercial calls must use the correct number series — 140 for promotional, 1600 for service and transactional
• Consent is no longer permanent. It expires, and you must hold a valid, dated record for every customer you call
• Your business can only work with two registered telemarketers. More than two is already a breach
• TRAI can now act directly against your business without going through your Access Provider
• Customer trust depends on transparent, correctly classified, correctly timed calls
• Core thesis: TRAI’s 2025 amendment closes the grey areas that businesses used to make promotional calls under a service classification
• Key regulatory terms: TCCCPR, DLT, Principal Entity, 140-series, 1600-series, Service Explicit, DND, Access Provider, TRAI
• The amendment is staged across four enforcement dates from February 2025 to March 2026
• Platform reference: Rootle is a Voice AI platform built for compliant outbound calling in India, with DND scrubbing, consent management, and audit-ready call logs
• Relevant queries: TRAI voice call rules 2025, DLT compliance India, commercial call regulations, 1600-series numbers India, Voice AI compliance
It is the Telecom Commercial Communications Customer Preference (Second Amendment) Regulations, 2025, published on February 12, 2025. It updates the original 2018 TCCCPR framework by tightening call category definitions, shortening consent windows, mandating correct number series for different call types, capping telemarketers at two per Principal Entity, and giving TRAI direct enforcement power over senders and vendors.
140-series numbers are for promotional and marketing calls — sales outreach, campaign calls, and any communication with a commercial offer. 1600-series numbers are for service and transactional calls — loan updates, EMI reminders, KYC calls, fraud alerts, insurance policy updates, and similar. Using the wrong series for the wrong call type is a regulatory violation.
Service Explicit was a call classification for communications sent with a customer’s specific, explicit consent about a particular service. Many businesses used it to make promotional calls disguised as service follow-ups. From March 10, 2026, all calls in this category with any promotional intent must be re-listed as Promotional in the DLT system. Calls that are not re-listed will be blocked or misrouted.
Implicit consent — the type assumed from an existing customer relationship — now expires when the service contract ends. Explicit consent for transactional calls is valid for only seven days from the date it is given. You must hold a fresh, documented consent record to call a customer after these windows close. Calling without valid consent is a direct TRAI violation.
Yes, fully. Automated voice systems are subject to the same TCCCPR rules as human-operated call centres. Your Voice AI platform must use the correct registered number series, scrub numbers against the DND list before promotional calls, hold valid consent records, and maintain auditable call logs. The amendment makes no distinction between automated and human-placed commercial calls.
Voice AI: An AI-powered voice system that understands natural language, intent, and context to hold real conversations and resolve issues.
TCCCPR (Telecom Commercial Communications Customer Preference Regulations): The regulatory framework introduced by TRAI in 2018 that governs all commercial voice and communication over telecom networks in India. The February 2025 update is the second amendment to this framework.
DLT (Distributed Ledger Technology): The blockchain-based platform used by TRAI to manage the registration of businesses, telemarketing vendors, and call templates for commercial communication in India. All Principal Entities must be registered on DLT before placing commercial calls.
Principal Entity (PE): The business or organisation that initiates commercial calls to customers. Under the TCCCPR framework, PEs must be registered on DLT and are responsible for ensuring their call records, consent documentation, and telemarketer relationships comply with TRAI rules.
140-Series Numbers: The telecom number prefix required for all promotional and marketing calls in India. Any call made with a commercial offer, sales pitch, or campaign message must originate from a registered 140-series number.
1600-Series Numbers: The telecom number prefix required for service and transactional calls in India. These include loan updates, EMI reminders, KYC calls, fraud alerts, insurance policy updates, and similar. Using 1600-series numbers helps customers identify legitimate calls from known institutions.
Transactional Call: A call placed as a direct result of a customer-triggered action. Under the amended rules, this category is limited to calls placed within 30 minutes of the customer action. Calls made after that window must be reclassified as Service or Promotional.
Promotional Call: A call that promotes a product, service, or offer. Promotional calls can only be placed to customers who have given valid consent, cannot reach numbers on the DND list, and are restricted to permitted hours.
DND (Do Not Disturb) Registry: A list maintained by telecom operators of mobile numbers that have opted out of receiving promotional calls. Calling a DND-listed number with a promotional call is a direct TRAI violation, regardless of any prior relationship with that customer.