SMS template · Utility
Documents Pending 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 KYC or income documents are missing. 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.
Borrowers compare loan offers online and expect quick, transparent answers on eligibility, documents and EMIs.
The SMS Template
India (DLT format)
Dear {#var#}, to process your loan application {#var#} with [Business Name], we need {#var#}. Upload securely here: {#var#}International (plain text)
Dear {customer}, to process your loan application {app_id} with [Business Name], we need {documents}. Upload securely here: {link}Example with sample values
Dear Mr. Yadav, to process your loan application LN-77812 with [Business Name], we need the last 6 months' bank statement. Upload securely here: https://example.com/u/LN1
With these sample values the message is 172 characters in the standard GSM-7 character set, which is 2 SMS parts (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#} | App id | LN-77812 |
| {#var#} | Documents | the last 6 months' bank statement |
| {#var#} | Link | https://example.com/u/LN1 |
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.
- 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.
- Documents (sample: the last 6 months' bank statement): Keep the value short and specific; test the longest realistic value to check the message still reads well.
- Link (sample: https://example.com/u/LN1): 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 130 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
- 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.
- The brand name in the message matches your registered business or header.
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
- 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.
Need this SMS 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 documents pending message?
Send when KYC or income documents are missing. If customers reply, make sure someone on your team monitors and answers.
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.
Which DLT category should I choose for this documents pending message?
Usually Service Implicit. The final category depends on your entity type, the consent you hold and your operator's guidelines, and we confirm it during registration.
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 SMS templates for NBFCs & Lending
This message on other channels
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