Loan disbursed WhatsApp template

A loan disbursed template confirms the amount sent, the account it went to and when the first EMI is due. Send it as a Utility template when your system posts the disbursal. It heads off the “where is my money?” calls that follow every disbursal.

Category UtilitySend When the disbursal is postedVersions 3
Use this template See all 3 versions
Y
Your lenderBusiness account
Today
Hi Fatima, ₹2,50,000 for your loan ending 7731 has been sent to your bank account ending 0937. It may take a few hours to show. Your first EMI is due on 5 Jan 2027, and we will remind you before it.Reply HELP to talk to our team10:00View loan details

Copy-ready templates

Three versions, by type of disbursal

1

Full disbursal to the borrower’s account

Sent when the disbursal is posted.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Visit website: “View loan details”
Hi {{1}}, ₹{{2}} for your loan ending {{3}} has been sent to your bank account ending {{4}}. It may take a few hours to show. Your first EMI is due on {{5}}, and we will remind you before it.
Hi {{1}}, ₹{{2}} for your loan ending {{3}} has been sent to your bank account ending {{4}}. It may take a few hours to show. Your first EMI is due on {{5}}, and we will remind you before it.Reply HELP to talk to our team10:00View loan details
2

Paid to a dealer, seller or builder

For vehicle, consumer durable or home loans paid to a third party.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Visit website: “View loan details”
Hi {{1}}, we have paid ₹{{2}} for your loan ending {{3}} to {{4}} on your behalf. Your first EMI of ₹{{5}} is due on {{6}}, and we will remind you before it.
Hi {{1}}, we have paid ₹{{2}} for your loan ending {{3}} to {{4}} on your behalf. Your first EMI of ₹{{5}} is due on {{6}}, and we will remind you before it.Reply HELP to talk to our team10:00View loan details
3

Welcome kit with the repayment schedule

Sent the day after disbursal, with the schedule attached.

Category
Utility
Language
English (en)
Header
Document: repayment schedule (PDF)
Footer
Reply HELP to talk to our team
Buttons
Quick reply: “Got it”
Hi {{1}}, welcome aboard. Your repayment schedule for loan ending {{2}} is attached. Save this chat: we will send EMI reminders and receipts here.
DOCUMENTHi {{1}}, welcome aboard. Your repayment schedule for loan ending {{2}} is attached. Save this chat: we will send EMI reminders and receipts here.Reply HELP to talk to our team10:00Got it

Variables

What each variable means

VariableWhat goes in itSample valueUsually comes from
{{1}}Borrower’s first nameFatimaLMS
{{2}}Amount disbursed (version 3: loan last 4)2,50,000Disbursal record in your LMS
{{3}}Loan account last 4 digits7731LMS
{{4}}Bank account last 4 (version 2: payee name)0937Disbursal record
{{5}}First EMI date (version 2: EMI amount)5 Jan 2027Repayment schedule
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

A disbursal is a transaction on the borrower’s own loan, so confirming it is Utility.

Version 3 sets up the rest of the relationship: telling the borrower that reminders and receipts will come in this chat makes them more likely to save the number and less likely to block it.

What makes it Marketing“Need more? Get a top-up in 2 minutes.” Wait for a separate, opted-in Marketing message, ideally after a few EMIs are paid.

Timing

When to send it

  1. 1
    Disbursal postedVersion 1 or 2.Same hour
  2. 2
    Next dayVersion 3 with the repayment schedule.
  3. 3
    3 days before the first EMISwitch to the EMI reminder.

Send version 1 when the money actually leaves, not when the disbursal is approved; a confirmation that arrives hours before the credit causes the calls it was meant to prevent.

Approval

Why loan disbursed templates get 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.

Full account numbers

Use last 4 digits only, for the loan and the bank account. Full numbers are a privacy risk if the phone is shared.

Promotional words in a Utility template

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

Wrong document sample

For version 3, submit a dummy repayment schedule PDF as the header sample.

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

For lenders who disburse in daily batches, upload the day’s disbursal file and send version 1 as a campaign.

No codeJourney or Zapier

Zapier can watch a disbursal sheet or CRM stage and send version 1 for each new row.

DevelopersAPI from your system

Your LMS calls SAMWAD when the disbursal is posted, and again the next day with the schedule PDF.

# When the disbursal is posted
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "loan_disbursed",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Fatima" },
      { "type": "text", "text": "2,50,000" },
      { "type": "text", "text": "7731" },
      { "type": "text", "text": "0937" },
      { "type": "text", "text": "5 Jan 2027" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "LN-7731" }] }]
}

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

Replies like “not received yet” can go to YARA, which can check the disbursal status through your system’s API (Advanced plan and above) and explain bank credit times, or hand over to your team.

Compliance note for lenders

  • Facts only. State what happened, the amount or date, and the next step. No penalties, credit-score warnings or legal language unless your compliance team approved the exact words and they match the loan agreement.
  • 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).
  • Match your records. The EMI date and amount must come from the same schedule as the loan agreement.
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

Loan disbursed template FAQs

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

Book a demo
When should the disbursal message go out?

When the money actually leaves your account, with a note that bank credit can take a few hours.

Can we attach the repayment schedule?

Yes, as a document header in a follow-up template (version 3).

Is it Utility or Marketing?

Utility. It confirms a transaction on the borrower’s own loan.

What if the money was paid to a dealer?

Use version 2, which names who received it, so the borrower doesn’t think it’s missing.

Use it with these templates

All financial services templates →
UtilityLoan sanctioned templateShare the sanction with the Key Facts Statement, before the borrower signs.See the template →UtilityNACH mandate registration templateGet e-NACH or UPI AutoPay in place before the first EMI.See the template →UtilityEMI reminder templateRemind borrowers 3 days before the due date, with a payment link.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 →

Use this template

Send this template to your borrowers this week.

Start a free trial, submit the template with SAGE checking it against Meta’s rules, and send it to your opted-in customers.

Use this template

For larger teams

Lending at scale?

Several numbers, your loan system connected through the API, YARA answering borrower questions, and on-prem or VPC AI for regulated teams.

Book a live demo