Gold loan renewal reminder WhatsApp template

A gold loan renewal reminder tells the borrower when their gold loan tenure ends and how to renew or close it, at the branch or online. Send it as a Utility template 15 days and 7 days before maturity. Missed maturities lead to overdue interest and, eventually, auction notices nobody wants to send.

Category UtilitySend 15 and 7 days before maturityVersions 3

Use this template See all 3 versions

Your lenderBusiness account

Today

Hi Ramesh, your gold loan ending 4470 reaches the end of its tenure on 20 Dec 2026. To renew or close it, you can pay the interest of ₹6,240 online or visit our Coimbatore RS Puram branch.Reply HELP to talk to our team10:00Pay and renewCall me

Copy-ready templates

Three versions, as maturity gets closer

15 days before maturity

First reminder.

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

Hi {{1}}, your gold loan ending {{2}} reaches the end of its tenure on {{3}}. To renew or close it, you can pay the interest of ₹{{4}} online or visit our {{5}} branch.

Hi {{1}}, your gold loan ending {{2}} reaches the end of its tenure on {{3}}. To renew or close it, you can pay the interest of ₹{{4}} online or visit our {{5}} branch.Reply HELP to talk to our team10:00Pay and renewCall me

7 days before maturity

Second reminder, to those who haven’t acted.

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

Hi {{1}}, a reminder that your gold loan ending {{2}} matures on {{3}}. Please renew or close it before then. Reply if you would like our team to call you.

Hi {{1}}, a reminder that your gold loan ending {{2}} matures on {{3}}. Please renew or close it before then. Reply if you would like our team to call you.Reply HELP to talk to our team10:00Renew onlineCall me

Renewed

Sent when the renewal is processed.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team

Hi {{1}}, your gold loan ending {{2}} has been renewed. The new maturity date is {{3}}. Your gold remains in safe custody at our {{4}} branch.

Hi {{1}}, your gold loan ending {{2}} has been renewed. The new maturity date is {{3}}. Your gold remains in safe custody at our {{4}} branch.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	Ramesh	Gold loan system
{{2}}	Loan account last 4	4470	Gold loan system
{{3}}	Maturity date (version 3: new maturity date)	20 Dec 2026	Gold loan system
{{4}}	Interest due to renew (version 3: branch)	6,240	Gold loan system
{{5}}	Branch name	Coimbatore RS Puram	Branch master

Renewal terms for gold loans depend on current RBI rules and your policy. Keep conditions like revaluation or margin top-ups for the branch conversation, not the template.

Meta category

Why this is Utility, not Marketing

A maturity reminder is about the borrower’s own loan and pledged gold, so it’s Utility.

Gold loan borrowers are often small business owners and households who prefer the branch. Offering both options, online and branch, gets more renewals done on time.

What makes it MarketingPromoting a higher amount on renewal (“get more on your gold today”). If you run that offer, make it a separate Marketing template for opted-in customers.

Timing

When to send it

1
15 days before maturityVersion 1.10 am to 6 pm
2
7 days beforeVersion 2.
3
Renewal processedVersion 3.Same day

After maturity, any overdue messages are collections and follow the EMI overdue rules: 8 am to 7 pm, polite, with a grievance contact.

Approval

Why gold loan renewal reminder 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.

Auction language

Mentioning auctions in a reminder reads as a threat. Auction notices follow their own legal process, not a WhatsApp template.

Promotional words in a Utility template

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

Shortened or third-party links

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

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

Export loans maturing in 15 days each morning and send version 1 as a campaign.

No codeJourney or Zapier

Zapier can read a maturity sheet and send version 1 and 2 on the right days.

DevelopersAPI from your system

Your gold loan system calls SAMWAD 15 and 7 days before maturity, and at renewal.

# 15 days before maturity
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "gold_loan_renewal_15d",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Ramesh" },
      { "type": "text", "text": "4470" },
      { "type": "text", "text": "20 Dec 2026" },
      { "type": "text", "text": "6,240" },
      { "type": "text", "text": "Coimbatore RS Puram" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "GL-4470" }] }]
}

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

Many gold loan customers prefer to talk. Route “Call me” to the branch team in the team inbox, or let the Voice AI agent pick up when they call back on WhatsApp.

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).
Language. Offer the template in the borrower’s language. Submit each language as its own template.

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

Gold loan renewal reminder 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 gold loan renewal reminders go out?

Around 15 days and 7 days before maturity, then a confirmation once it’s renewed.

Can borrowers renew online from WhatsApp?

If you offer online renewal, link to it with a button. Otherwise, name the branch and offer a call.

Should the reminder mention auctions?

No. Auction notices follow a separate legal process. A reminder should only cover the date and options.

Is it Utility or Marketing?

Utility, as long as it doesn’t promote a higher loan amount.

Use it with these templates

All financial services templates →

UtilityEMI reminder templateRemind borrowers 3 days before the due date, with a payment link.See the template →UtilityLoan closure NOC templateConfirm closure, send the NOC and say when documents can be collected.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 →

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.

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