EMI due today WhatsApp template

An EMI due today template is a short, same-day note to borrowers who pay manually and haven’t paid yet. Send it at about 9 am on the due date, only to those still unpaid, with a payment link and an “Already paid” button.

Category UtilitySend 9 am on the due dateVersions 2

Use this template See all 2 versions

Your lenderBusiness account

Today

Hi Neha, your EMI of ₹8,920 for loan account ending 2210 is due today. If you have already paid, please ignore this message. To pay now, use the button below.Reply HELP to talk to our team10:00Pay EMIAlready paid

Copy-ready templates

Two versions: full EMI due, or a balance left

Shorter than the 3-day reminder. On the due date the borrower only needs the amount and a way to pay.

Full EMI due today

For manual payers with nothing paid this cycle.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Visit website: “Pay EMI”
Quick reply: “Already paid”

Hi {{1}}, your EMI of ₹{{2}} for loan account ending {{3}} is due today. If you have already paid, please ignore this message. To pay now, use the button below.

Hi {{1}}, your EMI of ₹{{2}} for loan account ending {{3}} is due today. If you have already paid, please ignore this message. To pay now, use the button below.Reply HELP to talk to our team10:00Pay EMIAlready paid

Part paid, balance due today

For borrowers who paid part of the EMI.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Visit website: “Pay balance”
Quick reply: “Talk to us”

Hi {{1}}, thank you for your payment of ₹{{2}}. A balance of ₹{{3}} on your EMI for loan account ending {{4}} is due today. You can pay the balance using the button below.

Hi {{1}}, thank you for your payment of ₹{{2}}. A balance of ₹{{3}} on your EMI for loan account ending {{4}} is due today. You can pay the balance using the button below.Reply HELP to talk to our team10:00Pay balanceTalk to us

Variables

What each variable means

Variable	What goes in it	Sample value	Usually comes from
{{1}}	Borrower’s first name	Neha	LMS
{{2}}	EMI amount (version 2: amount already paid)	8,920	LMS dues for today
{{3}}	Loan last 4 digits (version 2: balance)	2210	LMS
{{4}}	Loan last 4 digits (version 2)	2210	LMS

Pull the list at 8:30 am, after overnight payment files are posted, so people who paid last night don’t get this message.

Meta category

Why this is Utility, not Marketing

It’s a same-day update about a payment on the borrower’s own loan, so it’s Utility.

On the due date the payment isn’t overdue yet, so this is still servicing. From the next day, recovery rules apply.

What makes it MarketingMentioning rewards for paying (“pay today and earn points”) or another product. Keep it to the amount and the link.

Timing

When to send it

1
8:30 amPull today’s unpaid EMIs, after overnight payments post.Data refresh
2
9 amSend version 1 or 2.
3
Next dayIf still unpaid, the EMI overdue template, between 8 am and 7 pm.

Don’t send this to auto-debit borrowers; their debit is in progress. Use the bounce alert if it fails.

Approval

Why EMI due today 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.

Stale data

Sending “due today” to someone who paid last night is the top cause of complaints about this message. Refresh dues first.

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

Each morning, export unpaid manual EMIs due today and send version 1 as a campaign at 9 am.

No codeJourney or Zapier

A scheduled Zapier job can read today’s dues from a Google Sheet and send version 1 to each row.

DevelopersAPI from your system

A morning job in your LMS calls SAMWAD for each unpaid EMI due today.

# 9 am on the due date, unpaid manual EMIs only
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "emi_due_today",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Neha" },
      { "type": "text", "text": "8,920" },
      { "type": "text", "text": "2210" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "LN-2210" }] }]
}

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

“Already paid” replies are the main follow-up. YARA can check your system through its API and confirm, or pass the chat to your team with the transaction details the borrower shares.

Compliance note for lenders

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).
Due-date messages are servicing. Keep the tone neutral; it’s not overdue yet.
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.

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