Templates

EMI reminder messages in English and Hindi.

SMS, WhatsApp and call versions for pre-due, due-date and missed EMIs. Copy, adapt, register.

Pre-due · 3 days before

Friendly, with the facts.

SMS · English

Dear {#var#}, your EMI of Rs {#var#} for loan a/c {#var#} is due on {#var#}. Please keep sufficient balance for auto-debit. Pay online: {#var#} - [Lender]

SMS · हिन्दी

प्रिय {#var#}, आपके लोन खाता {#var#} की ₹{#var#} की EMI {#var#} को देय है। कृपया ऑटो-डेबिट के लिए खाते में पर्याप्त बैलेंस रखें। ऑनलाइन भुगतान: {#var#} - [Lender]

WhatsApp · Hinglish

Namaste {{1}} ji 🙏 Aapki ₹{{2}} ki EMI {{3}} ko due hai. Auto-debit ke liye account mein balance rakhiye. Abhi pay karna ho toh yahan click karein: {{4}}

Due date · T-0

Today is the day.

SMS · English

Dear {#var#}, your EMI of Rs {#var#} is due today. If already paid, please ignore. Pay securely: {#var#} - [Lender]

SMS · हिन्दी

प्रिय {#var#}, आपकी ₹{#var#} की EMI आज देय है। यदि भुगतान हो चुका है तो कृपया इस संदेश को अनदेखा करें। भुगतान लिंक: {#var#} - [Lender]

WhatsApp · English

Hi {{1}}, a quick reminder that your EMI of ₹{{2}} is due today. Already paid? Thank you — no action needed. To pay now: {{3}}

Missed EMI · 1–7 days after

Clear, never threatening.

SMS · English

Dear {#var#}, we have not received your EMI of Rs {#var#} due on {#var#}. Please pay at the earliest to avoid late charges as per your loan agreement: {#var#}. Need help? Call {#var#} - [Lender]

SMS · हिन्दी

प्रिय {#var#}, {#var#} को देय ₹{#var#} की EMI हमें प्राप्त नहीं हुई है। लोन अनुबंध के अनुसार विलंब शुल्क से बचने के लिए कृपया जल्द भुगतान करें: {#var#}। सहायता: {#var#} - [Lender]

Call · Hinglish opener

Namaste, main Riya bol rahi hoon, [Lender] ki automated assistant. Kya main {name} ji se baat kar rahi hoon? … Aapki {date} ki ₹{amount} ki EMI abhi tak nahi aayi. Kya aap aaj UPI se pay kar payenge, ya koi aur date theek rahegi?

Before you send: four checks

DLT registration. Commercial SMS in India must use a registered header and a template registered on a DLT platform; {#var#} marks the variable parts. Service messages about an existing loan go as service/transactional templates.
WhatsApp approval. Business-initiated WhatsApp messages need pre-approved templates (variables shown as {{1}}).
Conduct. No threats or shaming in any message — RBI conduct rules apply to messages as well as calls. See RBI recovery agent guidelines.
Charges. Mention late charges only as stated in the loan agreement.

Message, then call

Messages are cheap but easy to ignore. The highest-recovery sequence is usually a message before the due date, a call on or just after it, and a payment link sent during the call. An AI telecaller can make that call to every borrower, in their language, and log the promise-to-pay date. See collection call scripts.

FAQ

Common questions.

How do I write an EMI reminder message?

Include the customer's name, the EMI amount, the due date, the loan account (masked), a payment link and your brand. Keep it polite and factual, and register it as a DLT template before sending by SMS.

Can I send EMI reminders on WhatsApp?

Yes, using WhatsApp Business templates approved in advance, to customers who have opted in to WhatsApp communication.

How do you write an EMI reminder in Hindi?

Use the same facts in simple Hindi or Hinglish — the templates above are a starting point. Keep numbers as digits so they are easy to read.

Are reminder calls better than messages?

Calls reach customers who ignore messages and can resolve objections ("already paid", "salary on Friday") on the spot. Most lenders combine both.