RCS template · Authentication
Account Login OTP 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 a borrower logs in to the app or portal. 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.
Borrowers compare loan offers online and expect quick, transparent answers on eligibility, documents and EMIs.
The RCS Template
Your one-time code
{otp} is your one-time code for [Business Name]. It is valid for 10 minutes. Do not share it with anyone.SMS fallback (India, DLT format)
{#var#} is your OTP to log in to your [Business Name] account. Valid for 5 minutes. Never share your OTP; we will never ask for it.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 |
|---|---|---|
| {otp} | Otp | 561230 |
Filling in each placeholder
- Otp (sample: 561230): Generate a fresh random code for each request; 4 to 6 digits is typical.
This template has 1 placeholder and a body of 129 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
OTPs over RCS should stay simple: the code, its validity and a warning not to share it. Many businesses keep OTPs on SMS for the widest device coverage.
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
- Rate-limit OTP requests to protect against abuse and unnecessary costs.
- Generate a new random code for each request and expire it quickly.
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 account login otp message?
Send when a borrower logs in to the app or portal. 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.
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
This message on other channels
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