EMI reminder WhatsApp template

An EMI reminder tells a borrower, a few days before the due date, how much is due, on which loan and how to pay. Send it as a Utility template three days before the EMI date. Below are three versions for three kinds of borrower, ready to submit to Meta.

Category UtilitySend 3 days before the due dateVersions 3 + Hindi

Use this template See all 3 versions

Your lenderBusiness account

Today

Hi Rahul, a reminder that your EMI of ₹12,450 for loan account ending 4821 is due on 5 Dec 2026. Paying on time keeps your account in good standing. You can pay online using the button below.Reply HELP to talk to our team10:00Pay EMIAlready paid

Copy-ready templates

Three versions, for three kinds of borrower

Each version does a different job. Pick by how the borrower pays, not by wording you prefer.

Three days before: borrower pays manually

For borrowers who pay by UPI, net banking or at a branch.

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}}, a reminder that your EMI of ₹{{2}} for loan account ending {{3}} is due on {{4}}. Paying on time keeps your account in good standing. You can pay online using the button below.

The “Pay EMI” button opens your payment page, with the loan reference added to the link as a dynamic suffix.

Hi {{1}}, a reminder that your EMI of ₹{{2}} for loan account ending {{3}} is due on {{4}}. Paying on time keeps your account in good standing. You can pay online using the button below.Reply HELP to talk to our team10:00Pay EMIAlready paid

Auto-debit (NACH or UPI AutoPay): keep the balance ready

For borrowers whose EMI is collected automatically. The job is to prevent a bounce.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Quick reply: “Balance is ready”
Quick reply: “Talk to us”

Hi {{1}}, your EMI of ₹{{2}} for loan account ending {{3}} will be auto-debited from your bank account ending {{4}} on {{5}}. Please keep enough balance in that account a day before to avoid a bounce charge.

Hi {{1}}, your EMI of ₹{{2}} for loan account ending {{3}} will be auto-debited from your bank account ending {{4}} on {{5}}. Please keep enough balance in that account a day before to avoid a bounce charge.Reply HELP to talk to our team10:00Balance is readyTalk to us

First EMI of a new loan

Sent 5 days before the very first EMI, when borrowers are most likely to miss it.

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

Hi {{1}}, your first EMI of ₹{{2}} for loan account ending {{3}} is due on {{4}}. From now on we will remind you here a few days before each EMI.

Hi {{1}}, your first EMI of ₹{{2}} for loan account ending {{3}} is due on {{4}}. From now on we will remind you here a few days before each EMI.Reply HELP to talk to our team10:00See repayment scheduleGot it

Hindi version of version 1

Submit it as a separate template with language code hi. Meta approves each language on its own.

नमस्ते {{1}}, आपके लोन खाता (अंतिम अंक {{3}}) की ₹{{2}} की EMI {{4}} को देय है। समय पर भुगतान से आपका खाता अच्छी स्थिति में रहता है। नीचे दिए बटन से ऑनलाइन भुगतान करें।

Variables

What each variable means

Variable	What goes in it	Sample value	Usually comes from
{{1}}	Borrower’s first name	Rahul	Loan management system (LMS)
{{2}}	EMI amount, formatted with commas	12,450	LMS repayment schedule
{{3}}	Last 4 digits of the loan account	4821	LMS
{{4}}	Due date (version 2: bank account last 4)	5 Dec 2026	LMS / mandate record
{{5}}	Debit date (version 2 only)	5 Dec 2026	NACH presentation schedule

Never put a full loan account number, PAN, Aadhaar or date of birth in a variable. The last 4 digits are enough for the borrower to recognise the loan.

Meta category

Why this is Utility, not Marketing

Meta treats a message as Utility when it relates to an existing transaction or account the customer already has. An EMI reminder is exactly that: a factual update about a loan they hold.

Meta may still re-categorise a template on review if the wording drifts, so keep it to the amount, the date and how to pay.

What makes it MarketingAnything promotional: “pay early and get a top-up loan”, a festive offer or a cross-sell link. Keep offers in a separate pre-approved offer template, sent only to borrowers who opted in.

Timing

When to send it

1
3 days before the EMI date, 10 amVersion 1, to manual payers.Manual payers
2
1 day before the debit date, 10 amVersion 2, to auto-debit borrowers.Auto-debit
3
Morning of the due dateThe EMI due today template, to manual payers who haven’t paid.
4
After paymentThe payment received template.

Stop the sequence as soon as payment is recorded: a reminder after someone has paid is the fastest way to earn a block. Once an EMI is overdue, switch to the EMI overdue template, which carries stricter rules.

Approval

Why EMI 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.

Placeholder samples

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

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 the week’s due list from your LMS as a CSV, import it into SAMWAD contacts and send version 1 as a scheduled campaign. Good for starting this week.

No codeJourney or Zapier

Create an API campaign on the approved template, then trigger it from your LMS or a Google Sheet through Zapier, one message per borrower.

DevelopersAPI from your system

Your LMS calls SAMWAD when a reminder is due, passing the amount, loan and date.

# 3 days before the EMI date, from your LMS
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "emi_reminder_t3",
  "template_language": "en",
  "components": [{ "type": "body",
    "parameters": [
      { "type": "text", "text": "Rahul" },
      { "type": "text", "text": "12,450" },
      { "type": "text", "text": "4821" },
      { "type": "text", "text": "5 Dec 2026" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "LN-4821" }] }]
}

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

When a borrower taps “Already paid” or asks a question, YARA can check the payment status through your system’s API (Advanced plan and above) and reply, or hand the chat to your collections team with the history attached. For the full playbook, read WhatsApp EMI reminders: a guide for lenders.

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).
Reminders before the due date are servicing, not recovery. Once a payment is overdue, recovery rules apply, including RBI’s 8 am to 7 pm window. Use the overdue template for that stage.
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: RBI recovery-hours direction, 12 Aug 2022 (Business Standard) · Meta: template categorization

FAQ

EMI reminder template FAQs

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

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Is an EMI reminder a Utility or a Marketing template?

Utility, as long as it only covers the loan the borrower already has. Adding an offer or cross-sell makes it Marketing.

Can I add a payment link?

Yes. Use a “Visit website” button pointing to your own payment page, with the loan reference as a dynamic suffix so the borrower lands on their own EMI.

What happens when a borrower replies “Already paid”?

Route the reply to your team inbox, or let YARA check the payment status through your system’s API and confirm. Then stop the remaining reminders for that cycle.

How many reminders should I send for one EMI?

Two for manual payers (three days before, and the due day) and one before the debit date for auto-debit borrowers. More than that tends to raise blocks and hurt your number’s quality rating.

Use it with these templates

All financial services templates →

UtilityEMI due today templateA short morning message to manual payers who haven’t paid yet.See the template →UtilityEMI payment received templateConfirm every EMI payment with the amount and the next due date.See the template →UtilityNACH mandate registration templateGet e-NACH or UPI AutoPay in place before the first EMI.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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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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