KYC pending reminder WhatsApp template

A KYC pending reminder asks a customer to complete identity verification and links them to your own KYC page or app. Send it as a Utility template the day KYC is due, with two follow-ups. It should never ask for Aadhaar or PAN numbers in the chat.

Category UtilitySend Same day, then day 2 and 5Versions 3

Use this template See all 3 versions

Your lenderBusiness account

Today

Hi Meera, to continue with your gold loan application, please complete your KYC on our website. It takes about 5 minutes. For your safety, never share your Aadhaar or PAN number in this chat.Reply HELP to talk to our team10:00Complete KYC

Copy-ready templates

Three versions, by type of KYC

Digital KYC on your website or app

Sent when an application or account reaches the KYC step.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Visit website: “Complete KYC”

Hi {{1}}, to continue with your {{2}}, please complete your KYC on our website. It takes about {{3}} minutes. For your safety, never share your Aadhaar or PAN number in this chat.

Hi {{1}}, to continue with your {{2}}, please complete your KYC on our website. It takes about {{3}} minutes. For your safety, never share your Aadhaar or PAN number in this chat.Reply HELP to talk to our team10:00Complete KYC

Video KYC slot to book

Sent when your process needs a video KYC call.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Visit website: “Book video KYC”

Hi {{1}}, your {{2}} needs a short video KYC call with our team. Please keep your original PAN card ready and pick a time that suits you using the button below.

The button opens your scheduling page. After booking, send the branch or video appointment confirmation.

Hi {{1}}, your {{2}} needs a short video KYC call with our team. Please keep your original PAN card ready and pick a time that suits you using the button below.Reply HELP to talk to our team10:00Book video KYC

Periodic KYC update for an existing customer

Sent when an existing account is due for a KYC update.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Visit website: “Update KYC”
Quick reply: “Call me”

Hi {{1}}, the KYC for your account ending {{2}} is due for its periodic update by {{3}}. You can update it on our website or app in a few minutes.

Hi {{1}}, the KYC for your account ending {{2}} is due for its periodic update by {{3}}. You can update it on our website or app in a few minutes.Reply HELP to talk to our team10:00Update KYCCall me

Variables

What each variable means

Variable	What goes in it	Sample value	Usually comes from
{{1}}	Customer’s first name	Meera	LOS or core system
{{2}}	Product or application (version 3: last 4 digits of the account)	gold loan application	LOS
{{3}}	Minutes it takes (version 3: due date)	5	Your KYC flow

Never put a full loan account number, PAN, Aadhaar or date of birth in a variable. The last 4 digits are enough for the borrower to recognise the loan.

Meta category

Why this is Utility, not Marketing

KYC is a required step in a relationship the customer already has with you, so the reminder is a Utility update. It’s also one of the most phished messages in Indian banking, so the wording has to build trust: name your company, link to your own domain, and tell people what you will never ask for.

What makes it MarketingPairing KYC with a sales line (“complete KYC to get a credit card”) makes it Marketing, and it reads like the fraud messages your customers are warned about.

Timing

When to send it

1
KYC step reachedVersion 1 or 2.Same day
2
Day 2Repeat, if KYC isn’t done.
3
Day 5Repeat once more, then hand to your team.Final

For periodic updates (version 3), start 30 days before the due date and send no more than three reminders in that period.

Approval

Why KYC pending reminder templates get rejected

Asking for ID numbers or photos

A template that asks for Aadhaar, PAN or document photos in the chat is a data-protection risk and looks like phishing. Link out instead.

Shortened or third-party links

Use a link on your own domain. Link shorteners often get templates rejected, and borrowers read them as phishing.

Variable at the start or end

Meta rejects a body that opens or closes with a variable. Every version above starts and ends with fixed words.

Urgent or threatening wording

“Your account will be blocked today” mirrors fraud messages. State the date and the step, calmly.

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

For periodic updates, export accounts due in the next 30 days and send version 3 as a scheduled campaign.

No codeJourney or Zapier

Track KYC-pending applications in a Google Sheet and trigger version 1 through Zapier when a row is added.

DevelopersAPI from your system

Your LOS or core system calls SAMWAD when KYC becomes due, passing the product and the minutes it takes.

# When an application reaches the KYC step
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "kyc_pending",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Meera" },
      { "type": "text", "text": "gold loan application" },
      { "type": "text", "text": "5" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "GL-30318" }] }]
}

Full request format, button parameters and webhooks: developer documentation.

Customers ask “which documents do I need?” or “is this message real?”. YARA can answer from your KYC policy, refuse ID numbers typed into the chat, and send the KYC link again.

Compliance note for lenders

No identity numbers in chat. Never ask for Aadhaar, PAN or document photos on WhatsApp. Send a link to your own portal or app instead.
Show who you are. Use your verified business name and your own domain, so customers can tell your message from a scam.
Opt-in first. Send only to borrowers who agreed to WhatsApp updates, and record when and where they agreed (loan application, app or branch form).

The sample wording on this page is a starting point, not legal advice. Have your compliance team review it before you submit.Sources: Meta: template categorization

FAQ

KYC pending reminder template FAQs

Want help setting this up for your loans? We’ll walk through it with you on a call.

Book a demo

Can we collect KYC documents over WhatsApp?

Don’t. Link to your own KYC page or app, where uploads are stored and checked properly. Tell customers not to share ID numbers in the chat.

Is a KYC reminder a Utility template?

Yes. It’s about an account or application the customer already has, with no offer attached.

How do we stop customers thinking it’s a scam?

Use your verified business name, a link on your own domain, and a line saying you never ask for Aadhaar or PAN in the chat.

Can YARA do the KYC?

No. YARA can answer questions and resend the link, but verification happens in your own KYC system.

Use it with these templates

All financial services templates →

UtilityKYC rejected templateExplain why KYC failed in plain words and how to fix it.See the template →UtilityLoan document pending reminder templateName the exact document that’s missing and link to your upload page.See the template →UtilityBranch and video KYC appointment confirmation templateConfirm branch visits and video KYC calls, with what to bring.See the template →

WhatsApp for financial services →The WhatsApp guide for lenders and insurers (free PDF) →WhatsApp EMI reminders: a guide for lenders →WhatsApp for NBFCs: templates, consent and KYC →AI agents for customer queries →

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For larger teams

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