NACH mandate registration WhatsApp template

A NACH mandate registration template asks the borrower to authorise automatic EMI debits through e-NACH or UPI AutoPay, and links to the registration page. Send it as a Utility template right after acceptance. A mandate in place before the first EMI prevents most bounces.

Category UtilitySend Right after sanction, then day 2Versions 3

Use this template See all 3 versions

Your lenderBusiness account

Today

Hi Deepak, to set up automatic EMI payments for your loan ending 7731, please register an e-mandate from your bank account ending 0937. It takes about 3 minutes using net banking or your debit card.Reply HELP to talk to our team10:00Register e-mandateUse UPI AutoPay

Copy-ready templates

Three versions: ask, confirm, and retry

Register the mandate

Sent after the borrower accepts the loan.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Visit website: “Register e-mandate”
Quick reply: “Use UPI AutoPay”

Hi {{1}}, to set up automatic EMI payments for your loan ending {{2}}, please register an e-mandate from your bank account ending {{3}}. It takes about 3 minutes using net banking or your debit card.

Hi {{1}}, to set up automatic EMI payments for your loan ending {{2}}, please register an e-mandate from your bank account ending {{3}}. It takes about 3 minutes using net banking or your debit card.Reply HELP to talk to our team10:00Register e-mandateUse UPI AutoPay

Mandate registered

Sent when the bank confirms the registration.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Quick reply: “Got it”

Hi {{1}}, your auto-debit mandate for loan ending {{2}} is now active. EMIs of ₹{{3}} will be debited from your bank account ending {{4}} on the {{5}} of each month.

Hi {{1}}, your auto-debit mandate for loan ending {{2}} is now active. EMIs of ₹{{3}} will be debited from your bank account ending {{4}} on the {{5}} of each month.Reply HELP to talk to our team10:00Got it

Registration failed, try again

Sent when the bank or NPCI rejects the registration.

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

Hi {{1}}, the e-mandate for your loan ending {{2}} could not be registered because {{3}}. Please try again using the button below, or reply if you would like help.

Map the rejection reason from your mandate partner to a short sentence, for example “the account holder name did not match”.

Hi {{1}}, the e-mandate for your loan ending {{2}} could not be registered because {{3}}. Please try again using the button below, or reply if you would like help.Reply HELP to talk to our team10:00Try againCall me

Variables

What each variable means

Variable	What goes in it	Sample value	Usually comes from
{{1}}	Borrower’s first name	Deepak	LMS
{{2}}	Loan account last 4 digits	7731	LMS
{{3}}	Bank account last 4 (version 2: EMI amount; version 3: failure reason)	0937	Mandate record
{{4}}	Bank account last 4 (version 2)	0937	Mandate record
{{5}}	Debit day of the month (version 2)	5th	Repayment schedule

Keep a lookup that turns mandate rejection codes into one-line reasons. “Signature mismatch” and “account closed” need different fixes from the borrower.

Meta category

Why this is Utility, not Marketing

Setting up repayment is part of servicing the loan the borrower just took, so the request and its status updates are Utility.

The confirmation (version 2) is easy to skip, but it’s the message borrowers check when the first debit happens.

What makes it MarketingOffering a rate discount for choosing auto-debit. If you run that offer, it needs a separate Marketing template and opt-in.

Timing

When to send it

1
Right after acceptanceVersion 1.Same day
2
Day 2, if not registeredVersion 1 again.
3
When the bank respondsVersion 2 or 3.Within the hour
4
7 days before the first EMIIf still missing, your team calls.

If the mandate isn’t active a week before the first EMI, switch that borrower to manual-payment reminders so the first EMI isn’t missed.

Approval

Why NACH mandate registration 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.

Shortened or third-party links

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

Raw rejection codes

Codes from your mandate partner mean nothing to borrowers. Map them before they reach the template.

Placeholder samples

Give a realistic sample for each variable when you submit, such as “Rahul” or “12,450”, not “name” or “amount”.

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

Upload the list of borrowers without an active mandate each morning and send version 1 as a campaign.

No codeJourney or Zapier

Zapier can watch your mandate partner’s status sheet and send version 2 or 3 when a status changes.

DevelopersAPI from your system

Your LMS calls SAMWAD after acceptance, and again from the mandate status webhook.

# After the borrower accepts the loan
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "nach_mandate_registration",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Deepak" },
      { "type": "text", "text": "7731" },
      { "type": "text", "text": "0937" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "LN-7731" }] }]
}

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

Borrowers ask “is this safe?” and “which bank account?”. YARA can answer from your FAQs and pass anything else to your team.

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.
Never ask for card or net-banking details in the chat. The registration happens on your mandate partner’s page.
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

NACH mandate registration template FAQs

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

Book a demo

Can borrowers register e-NACH from a WhatsApp link?

Yes. The link opens your mandate partner’s page, where the borrower authenticates with net banking or a debit card.

Should we offer UPI AutoPay too?

If your mandate partner supports it, yes. Some borrowers find it easier than net banking.

What do we send when registration fails?

Version 3, with the reason in plain words and a retry link.

Is this a Utility template?

Yes. It’s part of servicing the borrower’s loan.

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 →UtilityEMI reminder templateRemind borrowers 3 days before the due date, with a payment link.See the template →UtilityEMI bounce alert templateTell borrowers a debit failed, and how to pay, within RBI’s hours.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.

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For larger teams

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