SMS template · Utility

Loan Application Received SMS Template for NBFCs & Lending

A ready-to-adapt SMS 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. It works best when it is triggered automatically from your booking, billing or CRM software.

Borrowers compare loan offers online and expect quick, transparent answers on eligibility, documents and EMIs.

The SMS Template

India (DLT format)

Header: [6-character header]-S · Category: Service Implicit

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

International (plain text)

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

Example with sample values

Dear Mr. Yadav, your business loan application with [Business Name] has been received. Application ID LN-77812. We will contact you about the next steps.

With these sample values the message is 155 characters in the standard GSM-7 character set, which is 1 SMS part (square brackets count as two characters each). Long links or local-language (Unicode) text increase the count, as Unicode SMS allow 70 characters per single part.

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
{#var#}	Customer	Mr. Yadav
{#var#}	Loan	business loan
{#var#}	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. Shorter messages cost less and are more likely to be read in full; aim to keep the filled-in message within one or two SMS parts.

Category and Approval

In India this type of message is usually registered as Service Implicit: it relates to an existing transaction or relationship and can be delivered to numbers on the DND registry. It must not contain promotional content.

Compliance Checklist

The header (sender ID) and the template are registered on a DLT platform, and the template text matches exactly, apart from the variables.
Each {#var#} holds only the kind of value it was registered for; most platforms limit each variable to 30 characters.
Any link uses a domain whitelisted for your header, as TRAI requires for URLs in commercial SMS.

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 SMS 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 SMS 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. Automate it from your software where possible so it is never forgotten.

Can I send this SMS in India without DLT registration?

No. Commercial SMS in India must use a header and a content template registered on a DLT platform. Messages that do not match a registered template are blocked by the operator.

What does {#var#} mean?

It marks the variable part of a DLT template, such as a name, date or amount. Everything outside the variables must be sent exactly as registered.

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.