EMI Due Message: 20+ WhatsApp Reminder Templates

Remind borrowers before the EMI date so payments clear on time. Copy an EMI due message and send it from a Google Sheet.

Updated October 2026. 23 templates, all copy-paste ready.

Preview

⏰ Hi {{Name}}, a quick reminder from {{Bank}}. 💰 EMI: Rs. {{EMI Amount}} 📄 Loan: {{Masked Loan No.}} 📅 Due on: {{Due Date}} Please keep the amount ready in your account ending {{Last 4 digits}}. Questions? Reply here or call {{Helpline}}.

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Every {{placeholder}} fills from the Google Sheet column with the same name.

EMI due message and EMI reminder message 7 days before the due date

Friendly and early. Give the amount, the date and the account to fund, so the borrower has time to top it up.

Template 1

⏰ Hi {{Name}}, a quick reminder from {{Bank}}. 💰 EMI: Rs. {{EMI Amount}} 📄 Loan: {{Masked Loan No.}} 📅 Due on: {{Due Date}} Please keep the amount ready in your account ending {{Last 4 digits}}. Questions? Reply here or call {{Helpline}}.

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Template 2

Dear {{Name}}, your next EMI falls due in 7 days. 💰 EMI: Rs. {{EMI Amount}} 📅 Due on: {{Due Date}} 📄 Loan account: {{Masked Loan No.}} Paying on time keeps your credit score healthy and saves you late charges. Thank you, Team {{Lender}}

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Template 3

Hello {{Name}}, just a heads-up. 📅 EMI {{EMI No.}} of {{Total EMIs}} on your {{Loan Type}} loan is due on {{Due Date}} 💰 Amount: Rs. {{EMI Amount}} If your salary date has moved this month, reply here and we will help you plan. {{Lender}}

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EMI due today messages

Short and clear. One line on the amount, one on how to pay, one on who to call.

Template 4

📅 {{Name}}, your EMI is due today, {{Due Date}}. 💰 Amount: Rs. {{EMI Amount}} 📄 Loan: {{Masked Loan No.}} ⏰ Balance needed by: {{Time}} Please make sure your account ending {{Last 4 digits}} has enough balance. Team {{Bank}}

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Template 5

📅 Hi {{Name}}, today is your EMI date. 💰 Amount due: Rs. {{EMI Amount}} 📄 Loan: {{Masked Loan No.}} Already paid? Please ignore this message. Need help? Call {{Helpline}}.

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Template 6

⏰ Dear {{Name}}, a gentle reminder that your {{Loan Type}} loan EMI is due today. 💰 Amount: Rs. {{EMI Amount}} 📲 UPI: {{UPI ID}} Pay by UPI or on our official page at {{Link}} and keep your record clean. Thank you, {{Lender}}

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Auto-debit and NACH notice messages

Formal and factual. Name the debit date and the account, so a low balance does not turn into a bounce.

Template 7

ℹ️ Dear {{Name}}, this is to inform you about your auto-debit. 💰 Rs. {{EMI Amount}} will be debited from your {{Bank}} account ending {{Last 4 digits}} 📅 On: {{Due Date}} under your NACH mandate 📄 Loan: {{Masked Loan No.}} Please maintain sufficient balance. {{Lender}}

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Template 8

ℹ️ Dear Customer, your e-mandate for loan {{Masked Loan No.}} is active. 💰 EMI: Rs. {{EMI Amount}} 📅 Presented on: {{Debit Date}} 📌 If the debit fails, bounce charges of Rs. {{Bounce Charge}} may apply For help, call {{Helpline}}.

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Template 9

✅ Hi {{Name}}, your EMI was debited today. 💰 Amount: Rs. {{EMI Amount}} from account ending {{Last 4 digits}} 📅 Next EMI date: {{Next Due Date}} 🏦 Principal outstanding: Rs. {{Outstanding}} Thank you for paying on time. {{Lender}}

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Overdue EMI first notice messages

Firm but polite. State the missed amount and the charge, give a clear way to pay, and keep the door open for a conversation.

Template 10

📌 Dear {{Name}}, your EMI is still unpaid. 💰 EMI: Rs. {{EMI Amount}} due on {{Due Date}} 📄 Loan: {{Masked Loan No.}} 📅 Pay by {{Pay By Date}} to avoid a late charge of Rs. {{Late Fee}} Pay at {{Link}} or call {{Helpline}} if you need help.

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Template 11

📌 {{Name}}, we have not received your EMI for {{Month}}. 💰 Amount: Rs. {{EMI Amount}} ℹ️ A late payment can lower your CIBIL score. Please clear the dues at {{Link}} today. Already paid? Share the UTR number here and we will update your account. {{Lender}}

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Template 12

📌 Dear {{Name}}, this is a first reminder. 💰 Overdue: Rs. {{Overdue Amount}} 📄 Loan: {{Loan Type}} loan {{Masked Loan No.}} 📅 Overdue since: {{Due Date}} If you are facing a problem with payment, reply here and our team will call you to discuss your options. Team {{Lender}}

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Bank loan message formats by loan type

Same reminder, different details. Name the property, vehicle or business so a borrower with two loans knows which one is due.

Template 13

🏠 Dear {{Name}}, your home loan EMI is due. 💰 EMI: Rs. {{EMI Amount}} 📅 Due on: {{Due Date}} 📄 Loan account: {{Masked Loan No.}} for {{Property Address}} Your interest certificate for this year's tax filing is ready at {{Link}}. Team {{Bank}}

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Template 14

🚗 Hi {{Name}}, your car loan EMI is due. 💰 EMI: Rs. {{EMI Amount}} 📅 Due on: {{Due Date}} 🚘 Vehicle: {{Vehicle No.}}, only {{Remaining EMIs}} EMIs left before we remove the hypothecation Keep the amount in your account ending {{Last 4 digits}} or pay at {{Link}}. {{Bank}}

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Template 15

Dear {{Name}}, your personal loan EMI is due. 💰 EMI: Rs. {{EMI Amount}} 📅 Due on: {{Due Date}} 🏦 Principal outstanding: Rs. {{Outstanding}} Want to prepay or close the loan early? Reply PREPAY and we will share the exact amount. Team {{Bank}}

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Template 16

Dear {{Business Name}}, your business loan EMI will be debited soon. 💰 EMI: Rs. {{EMI Amount}} 🏦 Current account ending {{Last 4 digits}} 📅 On: {{Due Date}} To discuss a revised repayment schedule, contact your relationship manager, {{RM Name}}, on {{RM Phone}}. {{Bank}}

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Loan message format with a payment link

Make paying a one-tap job. Say whose link it is before you share it, so it never looks like a scam.

Template 17

Hi {{Name}}, your EMI is due. 💰 Amount: Rs. {{EMI Amount}} 📅 Due on: {{Due Date}} Pay securely on our official page: {{Link}} You can use UPI, net banking or a debit card. We will never ask for your OTP or PIN. Team {{Lender}}

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Template 18

Dear {{Name}}, pay your EMI in one tap. 💰 Amount: Rs. {{EMI Amount}} 📄 Loan: {{Masked Loan No.}} 📲 UPI: {{UPI ID}} Pay at {{Link}} or at any {{Lender}} branch. Your receipt reaches this number within minutes.

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Template 19

⏰ {{Name}}, your EMI is due on {{Due Date}}. 💰 Amount: Rs. {{EMI Amount}} Pay now at {{Link}}, the official {{Lender}} payment page. Paid already? Reply PAID with the UTR number and we will stop this reminder.

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EMI reminder SMS versions under 160 characters

For borrowers without WhatsApp or mobile data, these fit one SMS. Put the lender name first and the helpline last.

SMS 1

{{Bank}}: EMI Rs. {{EMI Amount}} for loan {{Masked Loan No.}} due on {{Due Date}}. Keep balance in A/c ending {{Last 4 digits}}. Help: {{Helpline}}

147/160 characters

SMS 2

Dear {{Name}}, your EMI of Rs. {{EMI Amount}} is due today. Pay at {{Link}} or keep funds in your account. Ignore if paid. {{Lender}}

133/160 characters

SMS 3

{{Lender}}: NACH debit of Rs. {{EMI Amount}} on {{Debit Date}} for loan {{Masked Loan No.}}. Low balance may attract charges of Rs. {{Bounce Charge}}.

150/160 characters

SMS 4

{{Name}}, EMI Rs. {{EMI Amount}} due {{Due Date}} is unpaid. Pay by {{Pay By Date}} at {{Link}} to avoid a late fee. Ignore if paid. {{Lender}}

143/160 characters

What an EMI due message must include

A borrower should be able to pay from the message alone, without calling anyone. These fields make that possible.

  • The borrower's name
  • Lender name and loan type
  • A masked loan account number
  • The EMI amount in rupees
  • The due date, and the debit date if auto-debit is on
  • How to pay: account to fund, UPI ID or an official payment link
  • Any late fee or bounce charge, stated as an amount
  • A helpline number or a reply option
  • A line for borrowers who have already paid

Mask the loan account to its last four digits and use pay links on your official domain only. Never ask for an OTP, PIN, PAN or Aadhaar number.

Common mistakes in EMI due messages

  • Sending the first reminder on the due date, which leaves the borrower no time to move money into the account.
  • Leaving out the amount or the loan number, so a borrower with two loans cannot tell which one is due.
  • A bare payment link with no lender name, which looks like phishing and gets reported.
  • Threatening or shaming words in an overdue notice, which break RBI's fair practices code and lose the customer.

Send EMI due messages to every borrower with SheetWA

  1. 1

    Put one borrower per row in a Google Sheet, with a column named after every placeholder: name, loan number, EMI amount, due date, payment link.

  2. 2

    Open SheetWA, paste the template, and each placeholder fills from the sheet column with the same name. Every borrower sees their own amount and date.

  3. 3

    Attach the repayment schedule PDF if you like, preview a few rows, and send. Filter the sheet by due date to pick who gets the 7-day, due-day or overdue message.

  4. Bulk WhatsApp senderSend from Google Sheets
Sending emi due messages from Google Sheets with SheetWA

Frequently asked questions

What is an EMI due message?

It is a short note from a lender telling a borrower that an instalment is coming up or has fallen due. It names the loan, the EMI amount, the due date and how to pay. Most lenders send one a week before, one on the day, and a first overdue notice if the payment is missed.

How do I write an EMI reminder message?

Start with the borrower's name and your lender name. Then give the EMI amount, the masked loan number and the due date. Add how to pay, such as the account to fund or an official link, and a helpline. Close with a line for anyone who has already paid. Keep it polite and under 60 words.

When should a bank send an EMI reminder SMS?

Send the first one 5 to 7 days before the due date, so the borrower can move money in time. Send a short one on the due date, ideally in the morning before the auto-debit runs. If the EMI is missed, send a polite first notice within a day or two, always between 8 am and 7 pm.

What is the correct loan message format for an EMI reminder?

Lender name, borrower name, loan type, masked loan number, EMI amount, due date, how to pay, helpline. In that order it reads naturally and answers every question a borrower has. For SMS, drop the greeting and keep it under 160 characters. On WhatsApp you can add the outstanding balance and a payment link.

What should a bank loan message to a borrower include?

Every bank loan message should name the lender and the loan, show only a masked account number, state the amount and date, and give one clear action with a helpline. It should never ask for an OTP, PIN, PAN or Aadhaar number. Genuine banks share payment links only from their own website domain.

Can I send EMI due messages on WhatsApp in bulk?

Yes. Keep borrowers in a Google Sheet with their EMI amount and due date, paste a template into SheetWA, and send one personalised message per row from your own WhatsApp number. You can attach the repayment schedule or a statement PDF to each message.

What should I do if a borrower says they have already paid?

Ask for the UTR or transaction reference, check it against your records, and confirm in writing once it matches. Payments made late in the day often post the next morning. Every reminder should carry a line like "Ignore if already paid" so borrowers who paid on time do not feel chased.

Do I need the WhatsApp Business API to send EMI reminders?

Not for a small lender or a shop that sells on EMI. The SheetWA Chrome extension sends from your existing WhatsApp Web session. For thousands of reminders a day, or for sends triggered by your loan system on the due date, use the SheetWA WhatsApp API with approved templates.