RCS template · Utility
EMI Due Reminder 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 three days before the EMI date. For NBFCs, lenders and loan DSAs, this is one of the everyday messages that keeps borrowers informed without a phone call. It can be sent manually from a panel at first and automated later through an API.
After disbursal, timely, respectful EMI reminders and clear statements are central to the relationship.
The RCS Template
EMI Due Reminder
Dear {customer}, your EMI of Rs. {amount} for loan account {account} with [Business Name] is due on {date}. Please keep sufficient balance in your bank account.SMS fallback (India, DLT format)
Dear {#var#}, your EMI of Rs. {#var#} for loan account {#var#} with [Business Name] is due on {#var#}. Please keep sufficient balance in your bank account.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 | 8,450 |
| {account} | Account | XXXX4521 |
| {date} | Date | 5 Nov |
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: 8,450): 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.
- Date (sample: 5 Nov): Write dates in an unambiguous form such as 14 Oct or 14 Oct 2026; avoid formats like 10/11 that customers read differently.
This template has 4 placeholders and a body of 160 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
- An SMS fallback is configured, and in India the fallback text uses a DLT-registered template.
- Images are clear, sized as the provider recommends, and do not hide important information that is missing from the text.
- Promotional rich cards go only to customers who have agreed to receive them.
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
- Use the customer's name and a reference number so the message is easy to trust and to search for later.
- Send it as close as possible to the event it relates to, such as right after booking or the day before an appointment.
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 emi due reminder message?
Send three days before the EMI date. If customers reply, make sure someone on your team monitors and answers.
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.
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
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