EMI Bounce Message Format: 20+ WhatsApp and SMS Samples

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}}

Hi {{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}}

Dear 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}}

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}}

Hi {{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}}.

Dear {{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}}

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}}

Dear {{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}}

📅 {{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}}

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}}

Dear {{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

Dear {{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}}

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}}

Hi {{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}}

Dear {{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}}

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}}

Dear {{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}}

Dear {{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}}.