RCS template · Utility
Loan Disbursed 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 the loan is disbursed. 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
Loan Disbursed
Dear {customer}, your loan of Rs. {amount} (account {account}) from [Business Name] has been disbursed to your bank account. Your loan documents and Key Fact Statement are available here: {link}SMS fallback (India, DLT format)
Dear {#var#}, your loan of Rs. {#var#} (account {#var#}) from [Business Name] has been disbursed to your bank account. Your loan documents and Key Fact Statement are available here: {#var#}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 |
| {amount} | Amount | 3,00,000 |
| {account} | Account | XXXX4521 |
| {link} | Link | https://example.com/d/LN2 |
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.
- Amount (sample: 3,00,000): Write amounts as Rs. 1,499 rather than with the rupee symbol, which forces Unicode encoding in SMS and shortens each part to 70 characters.
- Account (sample: XXXX4521): Use the same reference format that appears on your invoices, receipts or software, so customers and staff can match it quickly.
- Link (sample: https://example.com/d/LN2): Use your own short, recognisable domain; for SMS in India the domain must be whitelisted on DLT, and each variable is usually limited to 30 characters.
This template has 4 placeholders and a body of 194 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
- Promotional rich cards go only to customers who have agreed to receive them.
- 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.
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
- Keep one purpose per message; if you need to send a reminder and a document, the reminder should still make sense on its own.
- Use the customer's name and a reference number so the message is easy to trust and to search for later.
Where this message fits for NBFCs & Lending
Borrowers search for loan types, rates and eligibility, use calculators, compare lenders and apply online, then upload documents and wait for approval. Speed of decision and clarity on fees drive conversion, and after disbursal the relationship is about repayment reminders and top-up offers.
Search ads capture loan searches; comparison sites and partners refer applicants; WhatsApp collects documents and answers questions; SMS sends OTPs, approvals and repayment reminders; voice calls verify applicants and handle collections within permitted hours.
Campaign ideas that pair with this template
- Repayment reminders three days before the due date
- Pre-approved top-up offers to customers with good repayment records
- Document checklist messages to speed up approvals
Need this RCS template set up?
We register, submit and connect templates for you, and send test messages before launch.
Questions About This Template
When should a lending business send the loan disbursed message?
Send when the loan is disbursed. Sending it at a consistent time builds trust and reduces follow-up calls.
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 I add images to this message?
Yes. A rich card can include an image or short video. Keep important details in the text as well, since not everyone views the image.
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.
Related Templates
More RCS templates for NBFCs & Lending
Get Help With RCS Templates
Tell us what you need and we will get back to you, usually within one working day.
- Free requirement discussion
- Clear written quotation, in USD on request
- No long lock-in for most services
Prefer to talk? Call +91 88890 28885 or message us on WhatsApp.