EMI and instalment payment reminder messages for WhatsApp
Eight polite and firm EMI and instalment reminder messages for WhatsApp in English and Hinglish: before the date, overdue, part payment and thank-you.
- 1
Three days before the EMI date
Hello {name}, a reminder that your instalment of ₹{amount} for {loan or plan} is due on {date}. You can pay here: {payment link}. Thank you.
Hinglish: Namaste {name} ji, {loan or plan} ki ₹{amount} ki kisht {date} ko due hai. Yahan se bhugtan kar sakte hain: {payment link}. Dhanyavad.
- 2
On the due date
Hi {name}, your instalment of ₹{amount} is due today. Pay here: {payment link}. If you have already paid, please ignore this message.
Hinglish: Hi {name} ji, aaj aapki ₹{amount} ki kisht due hai. Yahan bhugtan kijiye: {payment link}. Agar pehle hi kar chuke hain toh is message ko anadekha kijiye.
- 3
A few days after the due date
Hello {name}, we have not yet received the instalment of ₹{amount} that was due on {date}. Could you please let us know when it will be paid? If something has come up, tell us and we will see how we can help.
Hinglish: Namaste {name} ji, {date} ko due ₹{amount} ki kisht abhi tak nahi mili. Kripya bata dijiye ki kab tak ho jayegi. Koi dikkat aayi ho toh batayiye, hum madad ka raasta dekhenge.
- 4
A firmer second reminder
Dear {name}, this is a second reminder for the instalment of ₹{amount} due on {date}, now {days} days pending. Please pay by {new date}. For any questions about the amount or the terms, call {phone number} between {hours}.
Hinglish: Priya {name} ji, {date} ko due ₹{amount} ki kisht ke liye yeh doosra reminder hai, ab {days} din ho gaye. Kripya {new date} tak bhugtan kijiye. Raashi ya sharton ke baare mein sawal ho toh {hours} ke beech {phone number} par call kijiye.
- 5
Offering a part payment if the policy allows
Hello {name}, if paying the full amount is difficult right now, please tell us. Depending on our policy, we may be able to discuss a revised schedule. Reply here or call {phone number} and we will explain the options.
Hinglish: Namaste {name} ji, agar abhi poori raashi dena mushkil hai toh hamein bata dijiye. Hamari policy ke hisaab se hum naye schedule par baat kar sakte hain. Yahin reply kijiye ya {phone number} par call kijiye, hum vikalp samjha denge.
- 6
Payment received
Thank you, {name}. We have received ₹{amount} for {loan or plan} on {date}. Your next instalment is due on {next date}. Receipt: {receipt link}
Hinglish: Dhanyavad {name} ji. {loan or plan} ke liye {date} ko ₹{amount} mil gaye. Agli kisht {next date} ko due hai. Receipt: {receipt link}
- 7
Customer asks for the outstanding details
Hello {name}, here are your details as per our records: instalments paid {number paid}, instalment amount ₹{amount}, next due date {date}. If you see a mismatch, please send your payment proof and we will check.
Hinglish: Namaste {name} ji, hamare record ke hisaab se aapki details: chuki hui kishten {number paid}, kisht ₹{amount}, agli due date {date}. Kuch mismatch lage toh payment ka proof bhejiye, hum check karenge.
- 8
When they say it is already paid
Thank you for letting us know, {name}. Could you share the payment reference or a screenshot? We will match it with our records and update you.
Hinglish: Bataane ke liye dhanyavad {name} ji. Kya aap payment reference ya screenshot bhej sakte hain? Hum apne record se milakar aapko batayenge.
Fill in the {curly bracket} parts with your own details before you send.
The tone for an EMI reminder
An instalment reminder is a routine service message first. Most customers who miss a date have simply forgotten or hit a short delay. A calm, specific reminder gets them to pay and keeps the relationship intact. Firmness comes from clear dates and amounts, not from pressure.
What to include
- The amount and what it is for. "₹4,200 for your {plan}" is clear.
- The due date. The exact date, not "soon".
- A way to pay inside the message. A payment link or UPI details.
- A route to talk. A phone number and hours, so the customer can raise a problem.
- A way out for those who paid. "Please ignore if already paid."
Polite and firm: how the reminders differ
| Stage | Tone | Content |
|---|---|---|
| Before the date | Friendly | Date, amount, link |
| On the date | Neutral | Same, with "ignore if paid" |
| A few days late | Concerned | Ask when it will be paid, offer to help |
| Second reminder | Firm and clear | New date, contact for questions |
| After payment | Warm | Receipt and next date |
What to avoid
Collection of dues is a regulated activity in India, and lenders and their collection agents are expected to follow rules on how and when borrowers are contacted. Whatever your policy is, keep these habits in every message:
- No threats, abuse or shaming. Never mention police, family, employers or neighbours, and never message anyone other than the borrower about the dues.
- No false urgency or invented consequences. State only what your agreement actually says.
- Reasonable hours. Send reminders in the daytime and not late at night.
- Respect a request to stop and route disputes properly. If a customer says the amount is wrong, check your record instead of repeating the demand.
If you collect on behalf of a lender or run a regulated lending business, check the guidelines that apply to you and take professional advice. This page gives example wording, not legal advice.
Sending reminders at scale
On the WhatsApp Business API, a reminder you send outside the 24-hour window must use a template that Meta has approved, and the customer must have opted in to hear from you. Our WhatsApp template examples and the 24-hour window guide explain the rules. For a general set of due-date messages, see the payment reminder messages. Businesses in lending and insurance can read the pages for financial services and insurance.
Sending EMI reminders to many customers
Copying a message by hand works for a handful of chats a day. Past that, three things usually break: someone forgets to send it, two people reply to the same customer, and nobody knows which customer answered.
- WhatsApp Business app. A broadcast list reaches up to 256 contacts at a time, and only people who have saved your number receive it. Good for a small, known customer list.
- WhatsApp Business API. A message you start outside the 24-hour window must use a template that Meta has approved, and the customer must have agreed to hear from you. Our guide to template approval shows what gets approved, and the guide to opt-in covers consent.
- A shared inbox. With Responseify the whole team answers from one number, each chat has an owner, and you can send an approved template to a tagged group of contacts as a broadcast. There is a free plan, and you can book a free demo to see it on your own use case.
To estimate what a month of messages costs on the API, use the WhatsApp cost calculator.
Read next
Frequently asked questions
How do I write a polite EMI reminder on WhatsApp?
State the amount, the plan and the due date, add a payment link, and invite the customer to ignore the message if they already paid. Keep it short and respectful.
How do I write a firm reminder without threatening the customer?
Be firm about the date and the amount, and give a clear contact number for questions. Do not threaten, shame or contact other people. State only the consequences your agreement actually contains.
When should I send an EMI reminder?
A common pattern is three days before the date, on the date, and a few days after it if the payment has not arrived. Send during daytime hours.
Can I send EMI reminders to many customers at once?
Yes, but on the WhatsApp Business API messages you start outside the 24-hour window use templates approved by Meta, and customers must have opted in. Check the rules that apply to your type of lending business as well.
What if the customer says the EMI is already paid?
Thank them, ask for the payment reference or a screenshot, and check it against your records before sending anything further.
Last updated 13 November 2026 by the Responseify team.
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