EMI Payment Reminder WhatsApp template
Reminds borrowers of an upcoming EMI with amount, due date and a secure payment link.
- 4 variables
- Utility category
- Free to copy
TODAY
EMI due reminder
Dear Suresh Kumar, this is a reminder that your EMI of ₹8,450 for loan account ending 4471 is due on 5 Nov 2026. Please keep sufficient balance in your account or pay online to avoid late charges.
Ignore if already paid
10:24 am
- Pay now
- Call support
Template text
UtilityPaste this into the template builder. Keep the variable numbers in order.
HEADER: EMI due reminder
BODY:
Dear {{1}}, this is a reminder that your EMI of *{{2}}* for loan account ending *{{3}}* is due on *{{4}}*.
Please keep sufficient balance in your account or pay online to avoid late charges.
FOOTER: Ignore if already paid
BUTTONS:
- [URL] Pay now
- [PHONE] Call supportVariables
Map each placeholder to a contact or order field. Samples are what you submit to Meta.
| Variable | What it holds | Sample value |
|---|---|---|
| {{1}} | Borrower name | Suresh Kumar |
| {{2}} | EMI amount | ₹8,450 |
| {{3}} | Last 4 digits of loan account | 4471 |
| {{4}} | Due date | 5 Nov 2026 |
Buttons
- Pay now · Visit website
- Call support · Call phone number
Tips for approval and performance
- 1
Mask account numbers: show only the last four digits, never full account or card numbers.
- 2
Send reminders 3 days and 1 day before the due date; avoid threatening or collection-agency tone.
- 3
Link to a UPI or payment-gateway page that pre-fills the amount to make paying a two-tap job.
Meta template category
Why this is a Utility template
Updates about a transaction or account the customer already has with you: orders, payments, appointments, bookings. Must contain no promotional content, or Meta will re-categorise it as Marketing.
Typical utility use cases: Order and shipping updates, payment receipts, reminders.
Meta can re-categorise a template during review if the content does not match. Learn how categories work in our guide to WhatsApp template messages and how each category is billed in WhatsApp conversation pricing.
How to submit this template
for Meta approval
Five steps from copy-paste to your first send.
- 1
Open the template manager
In Chatbox AI (or WhatsApp Manager), go to Message Templates and click Create template.
- 2
Choose the Utility category
Select Utility, give the template a lowercase name such as emi_payment_reminder and choose the language (for example English).
- 3
Add the header, body and footer
Paste the body text, set the text header and the footer. Replace brand details with your own and keep variables in {{1}}, {{2}} format.
- 4
Add sample values and buttons
Enter a realistic sample for each of the 4 variables and add the 2 buttons. Meta uses the samples to review the template.
- 5
Submit for review and send
Submit the template to Meta. Once it shows Approved, send it via a broadcast, an automation, an integration trigger or the API.
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Related templates
Frequently asked
questions
A WhatsApp EMI reminder should politely state the EMI amount, a masked loan account number and the due date, then offer a 'Pay now' link and a support number. Avoid threats or promotional cross-sell so it stays a Utility template. Chatbox AI can schedule reminders from your loan system three days and one day before the due date.
How should a WhatsApp EMI reminder be worded? A WhatsApp EMI reminder should politely state the EMI amount, a masked loan account number and the due date, then offer a 'Pay now' link and a support number. Avoid threats or promotional cross-sell so it stays a Utility template. Chatbox AI can schedule reminders from your loan system three days and one day before the due date.
Is the emi payment reminder template a Marketing or Utility template? It is a Utility template. Updates about a transaction or account the customer already has with you: orders, payments, appointments, bookings. Must contain no promotional content, or Meta will re-categorise it as Marketing. Choosing the correct category helps the template get approved quickly and billed at the right rate.
Can I edit this template before submitting it? Yes. Change the wording, brand name, buttons and footer to match your business. Keep variables in {{1}}, {{2}} order, avoid placing a variable at the very start or end of the body, and provide a realistic sample value for each one when you submit.
How do I send this template to many customers at once? After Meta approves it, upload or sync your contacts in Chatbox AI, map each variable to a contact field such as first name or order ID, and send it as a broadcast or trigger it automatically from an integration, webhook or the REST API.
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