Loan sanctioned WhatsApp template

A loan sanctioned template tells the borrower their loan is approved, with the amount and the next step to accept it. Send it as a Utility template when the sanction letter is issued, with the Key Facts Statement attached so the borrower can read the terms before signing.

Category UtilitySend When the sanction letter is issuedVersions 3
Use this template See all 3 versions
Y
Your lenderBusiness account
Today
DOCUMENTHi Rohit, your home loan of ₹35,00,000 has been sanctioned. The Key Facts Statement with the interest rate, fees and total cost is attached. Please read it before you accept the loan.Reply HELP to talk to our team10:00Review and acceptI have a question

Copy-ready templates

Three versions, by what the borrower does next

1

Sanction with the Key Facts Statement attached

Sent when the sanction letter and KFS are generated.

Category
Utility
Language
English (en)
Header
Document: Key Facts Statement (PDF)
Footer
Reply HELP to talk to our team
Buttons
Visit website: “Review and accept”
Quick reply: “I have a question”
Hi {{1}}, your {{2}} of ₹{{3}} has been sanctioned. The Key Facts Statement with the interest rate, fees and total cost is attached. Please read it before you accept the loan.

Attach the KFS as a document header. The button opens your acceptance and e-sign page.

DOCUMENTHi {{1}}, your {{2}} of ₹{{3}} has been sanctioned. The Key Facts Statement with the interest rate, fees and total cost is attached. Please read it before you accept the loan.Reply HELP to talk to our team10:00Review and acceptI have a question
2

Sanction, accept in the app

For digital lenders whose acceptance happens in the app.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Visit website: “Open the app”
Hi {{1}}, good news: your {{2}} of ₹{{3}} for {{4}} months is approved. Open the app to review the Key Facts Statement and accept the loan.
Hi {{1}}, good news: your {{2}} of ₹{{3}} for {{4}} months is approved. Open the app to review the Key Facts Statement and accept the loan.Reply HELP to talk to our team10:00Open the app
3

Sanction letter valid until a date

Sent a few days before an unaccepted sanction lapses.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Visit website: “Review and accept”
Quick reply: “Not needed now”
Hi {{1}}, the sanction for your {{2}} of ₹{{3}} is valid until {{4}}. If you would like to go ahead, please review and accept it before then.
Hi {{1}}, the sanction for your {{2}} of ₹{{3}} is valid until {{4}}. If you would like to go ahead, please review and accept it before then.Reply HELP to talk to our team10:00Review and acceptNot needed now

Variables

What each variable means

VariableWhat goes in itSample valueUsually comes from
{{1}}Borrower’s first nameRohitLOS
{{2}}Producthome loanLOS
{{3}}Sanctioned amount, formatted Indian style35,00,000LOS sanction record
{{4}}Tenure in months (version 3: validity date)240LOS sanction record
Format amounts the Indian way (35,00,000), and keep the rate and fees in the KFS rather than in the message, so the two can never disagree.

Meta category

Why this is Utility, not Marketing

A sanction is the answer to the borrower’s own application, so the message is Utility even though it’s good news.

RBI requires lenders to give borrowers a Key Facts Statement with the all-in cost of the loan before the loan agreement is signed. Sharing it with the sanction message makes that step part of the flow, not an afterthought.

What makes it Marketing“Congratulations! You’re also eligible for a credit card” or a top-up teaser. Keep other products out of the sanction message.

Timing

When to send it

  1. 1
    Sanction issuedVersion 1 or 2.Same day
  2. 2
    No acceptance after 3 daysA short reminder in the chat, or version 3 if the window is closed.
  3. 3
    A few days before it lapsesVersion 3.Final

Once the borrower accepts, move straight to the mandate registration and disbursal messages.

Approval

Why loan sanctioned templates get rejected

Rate or fee in fixed text

Rates and fees differ per borrower. Keep them in the attached KFS or a variable, never typed into the template.

Promotional words in a Utility template

“Offer”, “exclusive”, “pre-approved” or “limited time” get the template re-categorised as Marketing or rejected.

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.

Missing sample document

Templates with a document header need a sample PDF when you submit. Upload a dummy KFS with fake values.

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

Not suited: sanctions are individual and time-sensitive.

No codeJourney or Zapier

If sanctions are logged in a CRM, a Zapier trigger can send version 2 for app-based acceptance.

DevelopersAPI from your system

Your LOS calls SAMWAD when the sanction letter is generated, with a link to the KFS PDF for the document header.

# When the sanction letter and KFS are generated
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "loan_sanctioned_kfs",
  "template_language": "en",
  "components": [{ "type": "header",
    "parameters": [{ "type": "document", "document": { "link": "https://yourlender.example/kfs/HL-20931.pdf" } }] },
  { "type": "body",
    "parameters": [
      { "type": "text", "text": "Rohit" },
      { "type": "text", "text": "home loan" },
      { "type": "text", "text": "35,00,000" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "HL-20931" }] }]
}

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

Borrowers often reply with questions about the rate, fees or EMI. Route “I have a question” to your relationship team in the team inbox, where the KFS is visible in the chat.

Compliance note for lenders

  • Key Facts Statement before signing. RBI requires lenders to give the borrower a KFS, with the annual percentage rate and all fees, before the loan agreement is executed.
  • Don’t restate terms in the message. Point to the KFS for the rate and fees, so the two can’t contradict each other.
  • 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: RBI: Key Facts Statement for loans and advances (15 Apr 2024) · Meta: template categorization

FAQ

Loan sanctioned 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 send the sanction letter or KFS on WhatsApp?

Yes. Use a document header and attach the PDF when you send. Keep the borrower’s data in the file, not in the message text.

Should the interest rate be in the message?

Better in the KFS. If you include it, pass it as a variable from the same record that generates the KFS.

Is a sanction message Utility or Marketing?

Utility. It answers the borrower’s own application. Adding other products makes it Marketing.

What if the borrower doesn’t accept?

Send one reminder, then version 3 before the sanction lapses, with a “Not needed now” option.

Use it with these templates

All financial services templates →
UtilityLoan disbursed templateConfirm the money has left, and when the first EMI falls due.See the template →UtilityNACH mandate registration templateGet e-NACH or UPI AutoPay in place before the first EMI.See the template →UtilityLoan application received templateConfirm the application the moment it’s submitted, with a reference and next step.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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