Tell a borrower an EMI failed, what it costs and how to fix it, without threats. Copy an EMI bounce message format that fits.
Updated October 2026. 23 templates, all copy-paste ready.
Preview
Dear {{Name}}, your EMI could not be collected. 📌 Amount: Rs. {{EMI Amount}} Loan: {{Masked Loan No.}} Date: {{Due Date}} Reason: {{Reason}} Please pay at {{Link}} or keep funds ready for the next attempt. Call {{Helpline}} for help. {{Lender}}
10:24Calm and factual. Say what failed, how much is due now, and the quickest way to pay. Assume it was an honest slip.
Dear {{Name}}, your EMI could not be collected. 📌 Amount: Rs. {{EMI Amount}} Loan: {{Masked Loan No.}} Date: {{Due Date}} Reason: {{Reason}} Please pay at {{Link}} or keep funds ready for the next attempt. Call {{Helpline}} for help. {{Lender}}
10:24Hi {{Name}}, the auto-debit for this month's EMI did not go through. 📌 Amount due: Rs. {{EMI Amount}} Pay by: today It happens, and it is quick to fix. Pay today on our official page at {{Link}} and you are all set. Team {{Lender}}
10:24Dear Customer, your EMI presentation was returned unpaid by your bank, {{Bank}}. 📌 Amount: Rs. {{EMI Amount}} Date: {{Due Date}} Loan: {{Masked Loan No.}} Kindly clear the dues by {{Pay By Date}}. If you have already paid, please ignore this message. {{Lender}}
10:24Spell out every rupee. A borrower who sees the full amount up front pays once, not twice.
Dear {{Name}}, your EMI due on {{Due Date}} has bounced. 📌 EMI: Rs. {{EMI Amount}} Bounce charge: Rs. {{Bounce Charge}} plus GST, as per your loan agreement Total payable now: Rs. {{Total Due}} Pay at {{Link}}. {{Lender}}
10:24Hi {{Name}}, here is the breakdown for loan {{Masked Loan No.}}. 📌 EMI: Rs. {{EMI Amount}} Bounce charge: Rs. {{Bounce Charge}} Late payment charge: Rs. {{Late Fee}} Total: Rs. {{Total Due}} Paying by {{Pay By Date}} keeps late charges from growing. Questions? Call {{Helpline}}.
10:24Dear {{Name}}, your bank may add its own fee for the failed debit. ℹ️ Our charge on loan {{Masked Loan No.}} is Rs. {{Bounce Charge}} plus GST, as shown in your key fact statement. To avoid both next month, keep Rs. {{EMI Amount}} in your account a day before {{Due Date}}. {{Lender}}
10:24Friendly and specific. Give the exact retry date so the borrower can fund the account in time.
Hi {{Name}}, we will try to collect your EMI again. 📅 Retry date: {{Retry Date}} 💰 Amount: Rs. {{EMI Amount}} Please keep the amount in your {{Bank}} account ending {{Last 4 digits}} by the evening before. Prefer to pay now? Use {{Link}}. {{Lender}}
10:24Dear {{Name}}, the next debit attempt is scheduled. 📅 Loan {{Masked Loan No.}} on {{Retry Date}} 💰 Amount: Rs. {{Total Due}}, including the bounce charge If you pay before then at {{Link}}, we will cancel the retry. Team {{Lender}}
10:24📅 {{Name}}, a reminder that your EMI retry is tomorrow, {{Retry Date}}. 💰 Amount: Rs. {{Total Due}} A second bounce adds another charge of Rs. {{Bounce Charge}}, so please check your balance tonight. Help: {{Helpline}}
10:24Firm, factual and lawful. State the facts and what your agreement says happens next. Never threaten.
Dear {{Name}}, the EMI on loan {{Masked Loan No.}} has bounced {{Bounce Count}} times in a row. 📌 Total overdue: Rs. {{Total Due}} Pay by: {{Pay By Date}} Please pay at {{Link}}. Unpaid dues are reported to credit bureaus as per your loan agreement. {{Lender}}
10:24Dear {{Name}}, despite our earlier reminders, dues remain unpaid. 📌 Unpaid: Rs. {{Total Due}} on your {{Loan Type}} loan Overdue since: {{Due Date}} Please clear the dues or call us on {{Helpline}} by {{Pay By Date}} so we can agree a payment plan that works for you. {{Lender}} Collections Team
10:24Dear {{Name}}, this is a formal notice. 📌 Loan {{Masked Loan No.}} is {{Days Overdue}} days past due Outstanding: Rs. {{Total Due}} Please pay at {{Link}} or visit {{Branch}}. Our authorised representative, {{Agent Name}}, may contact you between 8 am and 7 pm. {{Lender}}
10:24Sometimes the money is there and the mandate is the problem. Name the reason and the fix.
Dear {{Name}}, your NACH mandate was rejected by {{Bank}}. 📌 Loan: {{Masked Loan No.}} Reason: {{Reason}}, such as a signature mismatch Please register a new e-mandate at {{Link}} before {{Due Date}} so no EMI is missed. {{Lender}}
10:24Hi {{Name}}, the auto-debit for your EMI failed. 📌 EMI: Rs. {{EMI Amount}} Account ending {{Last 4 digits}} is closed or inactive Please set up a mandate on your new account at {{Link}}. Call {{Helpline}} if you need help. {{Lender}}
10:24Dear {{Name}}, your e-mandate limit is lower than your revised EMI. 📌 Mandate limit: Rs. {{Mandate Limit}} Revised EMI: Rs. {{EMI Amount}} The debit on {{Due Date}} failed Please approve the updated mandate at {{Link}}. It takes two minutes with net banking or a debit card. {{Lender}}
10:24Some borrowers cannot pay, not will not pay. Offer a conversation before anything else.
Hi {{Name}}, we noticed your last {{Bounce Count}} EMIs did not go through. 📌 Options: a part payment or a new EMI date If money is tight right now, we may be able to help. Reply HELP and our team will call you. {{Lender}}
10:24Dear {{Name}}, if your income has changed, you can ask us to review the repayment plan. 📌 Loan: {{Masked Loan No.}} Options can include a longer tenure or a new EMI date. Reply CALL or ring {{Helpline}} to talk it over. {{Lender}}
10:24Dear {{Name}}, you can bring your loan up to date in two parts. 📌 Pay now: Rs. {{Part Amount}} Balance: Rs. {{Balance Amount}} by {{Date}} Loan: {{Masked Loan No.}} Pay at {{Link}} and share the UTR here. Any settlement offer will reach you only in writing from {{Lender}}.
10:24When a debit fails, an SMS often reaches the borrower first. These fit one message and keep the lender name up front.
{{Lender}}: EMI Rs. {{EMI Amount}} for loan {{Masked Loan No.}} bounced on {{Due Date}}. Pay Rs. {{Total Due}} at {{Link}}. Help: {{Helpline}}
142/160 characters
Dear {{Name}}, your EMI debit failed. Bounce charge Rs. {{Bounce Charge}} + GST applies. Next attempt on {{Retry Date}}. Keep funds ready. {{Lender}}
149/160 characters
{{Lender}}: NACH for loan {{Masked Loan No.}} was rejected by your bank. Set up a new e-mandate at {{Link}} before {{Due Date}}.
128/160 characters
{{Name}}, Rs. {{Total Due}} is overdue on loan {{Masked Loan No.}}. Please pay by {{Pay By Date}} at {{Link}} or call {{Helpline}} for a plan. {{Lender}}
153/160 characters
{{Lender}}: Need help with your EMI, {{Name}}? Reply HELP or call {{Helpline}} to discuss a part payment or a new EMI date.
123/160 characters
A bounce message should tell the borrower what failed, what it costs, and how to fix it, in that order.
State the facts and charges without threats, and contact borrowers only between 8 am and 7 pm, as RBI recovery rules require. Never ask for an OTP.
Tell borrowers their loan is sanctioned, with the amount, tenure, rate and next step.
Remind borrowers of the EMI amount, due date and how to pay, before and after it falls due.
Offer personal loans with the amount, rate and one clear next step, plus an opt-out.
Confirm a payment with the amount, date, mode and reference, plus the receipt.
Remind cardholders of the total due, minimum due and due date, and confirm payments.
Confirm a cash, cheque, UPI or salary credit with the amount, account and balance.
Remind customers what they owe and by when, from a friendly nudge to a final notice.
It is a notice from the lender that your EMI could not be collected on the due date, usually because the account had too little balance or the mandate failed. It states the unpaid amount, the bounce charge, the next debit date and how to pay. A genuine one never asks for an OTP or PIN.
Lender name first, then the masked loan number, the EMI amount, the date it bounced, the total now due and one way to pay, ending with a helpline. Keep it under 160 characters so it arrives as one SMS. Save the full charge breakdown for the WhatsApp message.
It depends on the lender and is written in your loan agreement and key fact statement. Most banks and NBFCs charge a fixed fee per bounce, often a few hundred rupees plus 18% GST. Your own bank may add a separate fee for the failed debit. A good bounce message states the exact amount.
The money may have arrived after the debit ran, or the mandate may be the problem: a signature mismatch, a closed account, or an e-mandate limit lower than the EMI. Check the reason in the message, or call the lender's official helpline. A mandate issue is fixed by registering a fresh e-mandate.
Lenders report payment status to credit bureaus every month. An EMI that stays unpaid past its due date shows as days past due, and repeated bounces can lower your score and make future loans costlier. Paying the bounced amount quickly, before the next reporting date, limits the damage.
It varies by lender. Many retry within a few days, and some only on the next month's due date. The bounce message should name the retry date. If it does not, pay the dues directly through the lender's official link instead of waiting, so late charges stop adding up.
Yes. Put the day's bounce list in a Google Sheet with the charge and retry date for each borrower, paste a template into SheetWA, and send one personalised message per row from your own WhatsApp number. For very high volumes, use the SheetWA WhatsApp API with approved templates.
Treat it as a last resort. A settlement closes the loan for less than the full due, but it is reported as settled, not closed, and can hurt your credit for years. Ask the lender about a part payment, a new EMI date or a longer tenure first, and accept any settlement only in writing.