Deliver instant loan application OTPs, disbursement confirmations, repayment reminders, KYC prompts, and wallet or UPI transaction alerts on a DND-exempt transactional route built for digital-first lending flows. Get Click Media integrates bulk SMS with loan origination and wallet systems- lifting repayment recovery and recovering onboarding drop-offs.
TRAI DLT registered · DND-exempt transactional route · India-hosted infrastructure · Real-time triggers
99.9%
Loan application OTP delivery rate
76%
Early-stage repayment collection rate
41%
Onboarding drop-off recovery rate
₹0.09
Starting price per SMS
Trusted by 10,000+ businesses across India
Fintech and digital lending platforms run entirely on app-based, real-time flows- an application submitted, an OTP required, a loan disbursed, a repayment due, a wallet topped up. Every one of those moments needs a message that reaches the user instantly, whether or not the app happens to be open on their phone at the time.
This page focuses on the digital-first lending and wallet flows unique to fintech- instant OTPs, disbursement confirmations, and onboarding recovery. For traditional banking and NBFC flows like long-tenure EMI reminders and fraud alerts tied to a core banking system, see our dedicated bulk SMS for banking page- many NBFC-backed fintechs use both sets of use cases together.
💡 Key insight:Fintechs that send an onboarding-recovery SMS within 30 minutes of a user dropping off mid-application recover meaningfully more sessions than those that wait until the next day, because the deep link still lands while the user's intent is fresh.
Manage every borrower touchpoint- application OTPs, disbursement confirmations, repayment reminder sequences, and KYC prompts- from a single SMS dashboard connected to your loan origination system.
Every upcoming repayment due date triggers a reminder 3 days before, on the due date, and a follow-up if unpaid- reducing the volume of accounts that escalate to manual collections.
Trigger: User submits a digital loan application or initiates a KYC step. Time-bound OTP for identity verification, sent on the DND-exempt transactional route. Result: Uninterrupted application flow with sub-second-to-a-few-seconds OTP delivery.
Trigger: Loan origination system approves and disburses the loan amount. Approval confirmation, disbursed amount, and first-repayment due date. Result: Fewer "has my loan come through" support queries after disbursement.
Trigger: Repayment due date approaching for a short-tenure digital loan. Multi-stage reminder sequence at 3 days before, on the due date, and post-due if unpaid. Result: Higher early-stage repayment recovery before an account needs manual collections.
Trigger: Application stalls at the KYC document upload step. Reminder with a direct link to resume the upload step in the app. Result: Higher KYC completion rate and fewer applications abandoned mid-process.
Trigger: Wallet top-up, UPI payment, or fund transfer completes. Transaction amount, running balance, and a fraud-reporting contact if unrecognised. Result: Real-time transaction visibility without depending on push notification delivery.
Trigger: User exits the app mid-onboarding without completing signup. Nudge SMS with a direct deep link back to the exact step where the user dropped off. Result: Meaningful recovery of otherwise-lost onboarding sessions within the same day.
| Metric | Before Bulk SMS | After Bulk SMS | Source |
|---|---|---|---|
| Loan application OTP delivery rate | — | 99.9% (direct operator route) | GCM fintech platform data |
| Onboarding drop-off recovery rate | 22% | 41% (SMS nudge within 30 minutes) | GCM digital lending client data |
| Early-stage repayment collection rate | 58% | 76% (SMS reminder sequence) | GCM NBFC/fintech collections data |
| KYC document upload completion rate | 37% | 63% (SMS reminder) | GCM fintech client data |
| UPI/wallet alert delivery time | Minutes (push notification retry) | Seconds (SMS) | GCM wallet client data |
Loan application OTP delivery rate
Onboarding drop-off recovery rate
Early-stage repayment collection rate
KYC document upload completion rate
UPI/wallet alert delivery time
API integration with loan origination and loan management systems for real-time application and disbursement triggers
Transactional templates registered on TRAI DLT with confirmed DND-exempt routing for OTPs and repayment alerts
Webhook-based triggers fire SMS the instant a loan is disbursed or a repayment posts
Delivery infrastructure hosted in India with audit-trail logging for regulatory and audit review
Multi-stage repayment reminder sequences configured to your loan tenure and risk segments
GCM manages your fintech or NBFC's approved sender IDs and template registration end to end
Big or small, we power communication for all- talk to us today.
Bulk SMS for fintech and digital lending companies is a messaging service that sends loan application OTPs, approval and disbursement confirmations, repayment reminders, KYC document upload prompts, and wallet or UPI transaction alerts to borrowers and app users over standard SMS. It reaches every handset instantly without requiring the user to be logged into the app, which is critical for time-sensitive digital lending and payment flows.
Get Click Media provides DND-exempt transactional bulk SMS for fintech and digital lending platforms with loan system integration and India-hosted infrastructure.
