RCS template · Utility

Loan Application Received RCS Template for NBFCs & Lending

A ready-to-adapt RCS message for NBFCs, lenders and loan DSAs, with placeholders, sample values and compliance notes.

When to Send This Message

Send when an application is submitted. For NBFCs, lenders and loan DSAs, this is one of the everyday messages that keeps borrowers informed without a phone call. Most businesses send it automatically from their software, so the timing is consistent.

After disbursal, timely, respectful EMI reminders and clear statements are central to the relationship.

The RCS Template

Rich card · Verified sender: [Business Name]

Loan Application Received

Dear {customer}, your {loan} application with [Business Name] has been received. Application ID {app_id}. We will contact you about the next steps.

Call us

SMS fallback (India, DLT format)

Dear {#var#}, your {#var#} application with [Business Name] has been received. Application ID {#var#}. We will contact you about the next steps.

Replace [Business Name] with your registered brand name. Links shown use example.com as a placeholder; use your own domain.

Placeholders and Sample Values

Placeholder	Meaning	Sample value
{customer}	Customer	Mr. Yadav
{loan}	Loan	business loan
{app_id}	App id	LN-77812

Filling in each placeholder

Customer (sample: Mr. Yadav): Use the first name or the salutation the customer gave you; fall back to a neutral greeting if the field is empty.
Loan (sample: business loan): Keep the value short and specific; test the longest realistic value to check the message still reads well.
App id (sample: LN-77812): Use the same reference format that appears on your invoices, receipts or software, so customers and staff can match it quickly.

This template has 3 placeholders and a body of 147 characters before values are filled in. RCS card descriptions can be longer than SMS, but the first line should still carry the key information, as previews are truncated.

Category and Approval

Service updates like this suit RCS well because a card can carry buttons such as confirm, reschedule or get directions. The message must still relate to the customer's existing transaction.

Compliance Checklist

Your brand (name, logo and description) is verified with the RCS provider before launch.
Suggested replies and actions are short (25 characters or fewer per chip) and each one leads somewhere useful.
An SMS fallback is configured, and in India the fallback text uses a DLT-registered template.

Rules to keep in mind for NBFCs & Lending

RBI's Fair Practices Code and digital lending directions require clear disclosure (such as the Key Fact Statement), name the lender for every loan, and restrict recovery communication to reasonable hours with no harassment. Promotional loan messages need consent and must not promise guaranteed approval.

General guidance, not legal advice. Rules change, so confirm current requirements before launch. See our RCS compliance guide for India.

Tips for Better Results

Send it as close as possible to the event it relates to, such as right after booking or the day before an appointment.
Keep one purpose per message; if you need to send a reminder and a document, the reminder should still make sense on its own.

Need this RCS template set up?

We register, submit and connect templates for you, and send test messages before launch.

WhatsApp Us Call +91 88890 28885 Enquiry Form

Quotes in USD for international clients.

Questions About This Template

When should a lending business send the loan application received message?

Send when an application is submitted. Sending it at a consistent time builds trust and reduces follow-up calls.

What happens if the customer's phone does not support RCS?

The message falls back to SMS. In India the fallback must use a DLT-registered template, which is why this page includes the SMS version.

Do RCS messages need brand verification?

Yes. RCS business messages are sent from a verified brand profile with your name and logo, which needs to be approved before launch.

Can DND Teams set this up for my lending business?

Yes. We adapt the template to your business, register or submit it, and connect it to your software or our panel. Share your use case on WhatsApp or through the form.