EMI payment received WhatsApp template

An EMI payment received template confirms that a borrower’s payment reached you, with the amount, the date and when the next EMI is due. Send it as a Utility template when the payment is posted. It stops “did you get my payment?” calls and stops further reminders.

Category UtilitySend When the payment is postedVersions 3
Use this template See all 3 versions
Y
Your lenderBusiness account
Today
Hi Rahul, we have received your payment of ₹12,450 on 3 Dec 2026 for loan account ending 4821. Thank you. Your next EMI is due on 5 Jan 2027, and we will remind you a few days before.Reply HELP to talk to our team10:00Download receipt

Copy-ready templates

Three versions: payment, receipt, and auto-debit

1

Payment received

Sent when a manual payment is posted to the loan.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Visit website: “Download receipt”
Hi {{1}}, we have received your payment of ₹{{2}} on {{3}} for loan account ending {{4}}. Thank you. Your next EMI is due on {{5}}, and we will remind you a few days before.
Hi {{1}}, we have received your payment of ₹{{2}} on {{3}} for loan account ending {{4}}. Thank you. Your next EMI is due on {{5}}, and we will remind you a few days before.Reply HELP to talk to our team10:00Download receipt
2

Payment received, receipt attached

For lenders who generate a receipt PDF per payment.

Category
Utility
Language
English (en)
Header
Document: payment receipt (PDF)
Footer
Reply HELP to talk to our team
Hi {{1}}, thank you for your payment of ₹{{2}} for loan account ending {{3}}. Your receipt is attached for your records.
DOCUMENTHi {{1}}, thank you for your payment of ₹{{2}} for loan account ending {{3}}. Your receipt is attached for your records.Reply HELP to talk to our team10:00
3

Auto-debit successful

Sent when the NACH or AutoPay debit succeeds.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Hi {{1}}, your EMI of ₹{{2}} for loan account ending {{3}} was debited successfully on {{4}}. No action is needed from you this month.
Hi {{1}}, your EMI of ₹{{2}} for loan account ending {{3}} was debited successfully on {{4}}. No action is needed from you this month.Reply HELP to talk to our team10:00

Variables

What each variable means

VariableWhat goes in itSample valueUsually comes from
{{1}}Borrower’s first nameRahulLMS
{{2}}Amount received12,450Payment posting in your LMS
{{3}}Payment date (version 2: loan last 4)3 Dec 2026Payment posting
{{4}}Loan last 4 digits (version 3: debit date)4821LMS
{{5}}Next EMI date5 Jan 2027Repayment schedule
Send it from the posting event, not from the payment gateway callback. A gateway success that fails to post would otherwise get a confirmation it shouldn’t.

Meta category

Why this is Utility, not Marketing

It confirms a transaction the borrower made on their own loan: textbook Utility.

It also closes the loop for your other templates. The posting event that triggers this message should stop any pending reminders for the same EMI.

What makes it Marketing“Thanks for paying on time! You’re now eligible for a top-up.” Send eligibility offers separately, only to borrowers who opted in.

Timing

When to send it

  1. 1
    Payment postedVersion 1 or 2.Within the hour
  2. 2
    Auto-debit succeedsVersion 3.Same day
  3. 3
    Same eventCancel any reminders still queued for this EMI.

Some lenders skip version 3 to save cost. Borrowers do notice it, though, and it cuts calls in the first months of a loan.

Approval

Why EMI payment received 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.

No sample receipt

Version 2 needs a sample PDF when you submit. Use a dummy receipt with fake values.

Promotional words in a Utility template

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

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

Not suited: confirmations should follow each payment, not a batch.

No codeJourney or Zapier

If payments land in a Google Sheet or CRM, Zapier can send version 1 for each new row.

DevelopersAPI from your system

Your LMS calls SAMWAD from the payment-posting event.

# From the payment-posting event
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "emi_payment_received",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Rahul" },
      { "type": "text", "text": "12,450" },
      { "type": "text", "text": "3 Dec 2026" },
      { "type": "text", "text": "4821" },
      { "type": "text", "text": "5 Jan 2027" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "RC-88213" }] }]
}

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

If the borrower writes back about a wrong amount, the chat goes to your team inbox with this confirmation above it, so the agent has the details.

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 the receipt. The amount and date in the message must match the receipt and the loan statement.
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

EMI payment received template FAQs

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

Book a demo
Should we confirm auto-debit payments too?

It’s optional, but useful in the first few months of a loan, when borrowers check whether the debit worked.

Can we attach the receipt?

Yes. Create the template with a document header and attach the receipt PDF when you send it.

When should it be sent?

When the payment posts to the loan, so the confirmation is always accurate.

Is it a Utility template?

Yes. It confirms a payment on the borrower’s own loan.

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 →UtilityEMI due today templateA short morning message to manual payers who haven’t paid yet.See the template →UtilityLoan account statement templateSend the statement of account as a PDF, on request or each month.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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