WhatsApp template · Utility
Documents Pending WhatsApp Template for NBFCs & Lending
A ready-to-adapt WhatsApp 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 works best when it is triggered automatically from your booking, billing or CRM software.
After disbursal, timely, respectful EMI reminders and clear statements are central to the relationship.
The WhatsApp Template
Dear {{1}}, to process your loan application {{2}} with [Business Name], we need {{3}}. Upload securely here: {{4}}
Thank you.[Business Name]
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 Thank you.
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 |
|---|---|---|
| {{1}} | Customer | Mr. Yadav |
| {{2}} | App id | LN-77812 |
| {{3}} | Documents | the last 6 months' bank statement |
| {{4}} | 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. WhatsApp allows up to 1,024 characters in a template body, but short messages with one clear action get the best response.
Category and Approval
Utility templates must relate to a specific transaction, account or request the customer already has with you, such as a confirmation, reminder or status update. Do not add offers or promotional lines, as Meta may reclassify the template as marketing.
Compliance Checklist
- The customer has opted in to receive WhatsApp messages from your business, and you keep a record of the opt-in.
- Variables are numbered in order and you provide sample values when submitting; avoid starting or ending the body with a variable.
- Links point to your own website or a trusted domain, and button labels are short and clear.
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 WhatsApp 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.
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 WhatsApp 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. Automate it from your software where possible so it is never forgotten.
Why is this template in the Utility category?
Utility templates must relate to a specific transaction, account or request the customer already has with you, such as a confirmation, reminder or status update. Do not add offers or promotional lines, as Meta may reclassify the template as marketing.
Can I change the wording?
Yes. Adapt the text to your business, but keep it clear and specific, keep variables in order and submit realistic sample values. Any change to an approved template needs re-approval.
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 WhatsApp templates for NBFCs & Lending
This message on other channels
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