SMS template · Authentication
Account Login OTP 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 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. 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 SMS Template
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.International (plain text)
{otp} 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.Example with sample values
561230 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.
With these sample values the message is 132 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#} | 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. 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
OTP messages are registered for one-time passwords only. Keep them short, state validity, and warn the customer never to share the code. Do not mix OTPs with any other 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
- Rate-limit OTP requests to protect against abuse and unnecessary costs.
- Generate a new random code for each request and expire it quickly.
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 account login otp message?
Send when a borrower logs in to the app or portal. If customers reply, make sure someone on your team monitors and answers.
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.
Which DLT category should I choose for this account login otp message?
Usually Transactional or Service Implicit (OTP). 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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