WhatsApp template · Utility
EMI Payment Received 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 after an EMI is received. 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 WhatsApp Template
Dear {{1}}, we have received your EMI of Rs. {{2}} for loan account {{3}} on {{4}}. Thank you. - [Business Name][Business Name]
Example with sample values
Dear Mr. Yadav, we have received your EMI of Rs. 8,450 for loan account XXXX4521 on 5 Nov. Thank you. - [Business Name]
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}} | Amount | 8,450 |
| {{3}} | Account | XXXX4521 |
| {{4}} | Date | 5 Nov |
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.
- Amount (sample: 8,450): Write amounts as Rs. 1,499 rather than with the rupee symbol, which forces Unicode encoding in SMS and shortens each part to 70 characters.
- Account (sample: XXXX4521): Use the same reference format that appears on your invoices, receipts or software, so customers and staff can match it quickly.
- Date (sample: 5 Nov): Write dates in an unambiguous form such as 14 Oct or 14 Oct 2026; avoid formats like 10/11 that customers read differently.
This template has 4 placeholders and a body of 125 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
- Links point to your own website or a trusted domain, and button labels are short and clear.
- Marketing messages include an easy way to opt out, and opt-outs are honoured promptly.
- The template is approved in the correct category before sending; utility and authentication templates cannot carry promotional content.
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
- 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.
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 emi payment received message?
Send after an EMI is received. Sending it at a consistent time builds trust and reduces follow-up calls.
Do WhatsApp templates need approval?
Yes. Business-initiated messages outside the 24-hour customer service window must use a template approved by Meta. Approval is usually quick, but templates can be rejected or re-categorised if they break the guidelines.
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 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
Get Help With WhatsApp Templates
Tell us what you need and we will get back to you, usually within one working day.
- Free requirement discussion
- Clear written quotation, in USD on request
- No long lock-in for most services
Prefer to talk? Call +91 88890 28885 or message us on WhatsApp.