WhatsApp template · Authentication
Account Login OTP 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 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 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 WhatsApp Template
{{1}} is your verification code. For your security, do not share this code.This code expires in 10 minutes.
Example with sample values
561230 is your verification code. For your security, do not share this code.
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}} | 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. 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
Authentication templates use a fixed format set by Meta: the code, an optional security disclaimer and an optional expiry notice, with a copy-code or one-tap button. You cannot add custom promotional text to them.
Compliance Checklist
- The template is approved in the correct category before sending; utility and authentication templates cannot carry promotional content.
- 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.
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
- Rate-limit OTP requests to protect against abuse and unnecessary costs.
- Generate a new random code for each request and expire it quickly.
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 account login otp message?
Send when a borrower logs in to the app or portal. Automate it from your software where possible so it is never forgotten.
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.
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
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.