Loan account statement WhatsApp template

A loan account statement template sends the borrower their statement of account or interest certificate as a PDF. Use it as a Utility template when a borrower asks, each month, or once a year for tax. It saves a branch visit or an email chase.

Category UtilitySend On request, monthly, or yearlyVersions 3

Use this template See all 3 versions

Your lenderBusiness account

Today

DOCUMENTHi Sunita, as requested, the statement for your loan account ending 9902 for Apr to Nov 2026 is attached. To open the PDF, use the first 4 letters of your name and your birth year as the password.Reply HELP to talk to our team10:00

Copy-ready templates

Three versions: on request, monthly, and for tax

Statement on request

Sent when a borrower asks, in the chat or through a menu.

Category: Utility
Language: English (en)
Header: Document: statement of account (PDF)
Footer: Reply HELP to talk to our team

Hi {{1}}, as requested, the statement for your loan account ending {{2}} for {{3}} is attached. To open the PDF, use {{4}} as the password.

Many lenders protect the PDF with a password such as the first 4 letters of the name plus the birth year. State the rule, never the password itself, if you can.

DOCUMENTHi {{1}}, as requested, the statement for your loan account ending {{2}} for {{3}} is attached. To open the PDF, use {{4}} as the password.Reply HELP to talk to our team10:00

Monthly statement

Sent on a fixed day each month.

Category: Utility
Language: English (en)
Header: Document: monthly statement (PDF)
Footer: Reply HELP to talk to our team
Buttons: Quick reply: “I have a question”

Hi {{1}}, your monthly statement for loan account ending {{2}} is attached. Outstanding principal as of {{3}} is ₹{{4}}, as shown in the statement.

DOCUMENTHi {{1}}, your monthly statement for loan account ending {{2}} is attached. Outstanding principal as of {{3}} is ₹{{4}}, as shown in the statement.Reply HELP to talk to our team10:00I have a question

Interest certificate for tax

Sent once a year, for home and education loans.

Category: Utility
Language: English (en)
Header: Document: interest certificate (PDF)
Footer: Reply HELP to talk to our team

Hi {{1}}, your interest certificate for financial year {{2}} for loan account ending {{3}} is attached. You may need it when filing your income tax return.

DOCUMENTHi {{1}}, your interest certificate for financial year {{2}} for loan account ending {{3}} is attached. You may need it when filing your income tax return.Reply HELP to talk to our team10:00

Variables

What each variable means

Variable	What goes in it	Sample value	Usually comes from
{{1}}	Borrower’s first name	Sunita	LMS
{{2}}	Loan account last 4 (version 3: financial year)	9902	LMS
{{3}}	Statement period (version 2: as-of date)	Apr to Nov 2026	Request or schedule
{{4}}	Password rule (version 2: outstanding principal)	the first 4 letters of your name and your birth year	Your document policy

Describe the password rule rather than sending the password, and generate the PDF only after confirming the request came from the registered number.

Meta category

Why this is Utility, not Marketing

A statement is information about the borrower’s own account, so it’s Utility.

When the borrower asks for it first, you’re inside the 24-hour window and could send the PDF without a template. A template still helps: it keeps the wording consistent and lets you send monthly and yearly statements without waiting for a request.

What makes it MarketingAdding a line about prepaying with a “special rate” or another product. Statements stay plain.

Timing

When to send it

1
On requestVersion 1, within minutes.Self-service
2
Monthly, fixed dayVersion 2.Optional
3
April or May each yearVersion 3, for home and education loans.Tax season

A journey menu with “Get my statement” lets borrowers ask for it themselves, which removes most of these requests from your branches.

Approval

Why loan account statement templates get rejected

No sample PDF

Document-header templates need a sample file when you submit. Use a dummy statement with fake values.

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.

Passwords in the message

Sending the PDF and its password together defeats the password. Describe the rule instead.

Promotional words in a Utility template

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

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

For monthly statements, upload the borrower list with links to each PDF and send version 2 as a campaign.

No codeJourney or Zapier

A journey menu option can collect the request and pass it to your team, or to Zapier, to fetch the PDF.

DevelopersAPI from your system

Your LMS generates the PDF and calls SAMWAD with the file link for the document header.

# When a borrower asks for a statement
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "loan_statement_on_request",
  "template_language": "en",
  "components": [{ "type": "header",
    "parameters": [{ "type": "document", "document": { "link": "https://yourlender.example/soa/9902-2026.pdf" } }] },
  { "type": "body",
    "parameters": [
      { "type": "text", "text": "Sunita" },
      { "type": "text", "text": "9902" },
      { "type": "text", "text": "Apr to Nov 2026" },
      { "type": "text", "text": "the first 4 letters of your name and your birth year" }
    ] }]
}

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

YARA can take “send my statement” requests at any hour, confirm the period and trigger the PDF through your system’s API on the Advanced plan and above.

Compliance note for lenders

Registered number only. Send statements only to the number on the loan record. A request from another number goes to your team.
Protect the file. Password-protect statement PDFs and describe the password rule rather than sending the password.
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

Loan account statement 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 loan statements as PDFs on WhatsApp?

Yes. Use a template with a document header, or send the PDF in the chat window if the borrower asked in the last 24 hours.

Should the statement be password-protected?

It’s good practice. Describe the password rule in the message rather than sending the password.

Can borrowers ask for a statement themselves?

Yes. Add a “Get my statement” option to a journey menu, or let YARA handle the request.

Is it Utility or Marketing?

Utility. It’s information about the borrower’s own account.

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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.

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