WhatsApp Business API for NBFCs & Lending Loan Disbursement Alerts, EMI Reminders India

WhatsApp collections sequences use a graduated, informational tone- a gentle reminder before the due date, a factual overdue notice with the outstanding amount and applicable charges, and an offer to speak with a collections officer, rather than repeated calls or aggressive messaging. This keeps outreach within RBI's fair-practices boundaries while still lifting on-time payment rates- GCM's NBFC clients see collections call volume fall by roughly 48% once WhatsApp handles the pre-delinquency stage.

WhatsApp Flow-based KYC lets a borrower submit Aadhaar, PAN, income proof, and a selfie in-chat, end-to-end encrypted in transit, without the document being stored in message logs. Get Click Media routes submissions directly to your KYC/eKYC vendor or LMS via webhook and processes data on India-hosted infrastructure, aligned with the Digital Personal Data Protection Act 2023's consent and data-minimisation requirements.

DLT (Distributed Ledger Technology) registration with TRAI is mandatory for financial-sector commercial messaging templates sent to Indian numbers, and every WhatsApp utility and marketing template used for loan communication must be pre-registered and approved before it can be sent. Get Click Media manages end-to-end DLT entity and template registration for NBFC and lending clients, so disbursement, EMI, and collections templates go live without compliance delays.

Yes. Get Click Media's WhatsApp templates for microfinance and NBFC clients support Hindi, Marathi, Tamil, Telugu, Kannada, and Bengali, with automatic language detection based on the borrower's location or stated preference. This matters for microfinance portfolios concentrated in rural and semi-urban India, where English-only SMS reminders are frequently ignored or misunderstood.

Yes, though these are treated differently from routine EMI reminders- restructuring and settlement offers are typically sent as a more formal utility template that states the specific terms being offered, with a request to connect with a collections officer or relationship manager rather than a one-tap accept button, in keeping with RBI's requirement for clear, non-coercive communication of any change to loan terms.

This is configurable per loan product- some lenders choose to keep EMI and collections communication limited to the primary borrower to avoid confusion, while others extend disbursement and overdue notifications to a co-borrower or guarantor as well, particularly for larger ticket sizes. Get Click Media sets this up according to how your LMS already defines primary and secondary borrower roles.

A borrower can initiate a foreclosure or prepayment enquiry through the chatbot, which captures the request and routes it to your LMS for the actual foreclosure quote and processing- WhatsApp handles the enquiry and confirmation messaging, not the underlying calculation, which stays within your existing loan servicing system.

Yes- once an account moves to NPA classification, communication typically shifts from the standard EMI reminder sequence to whatever formal recovery process and messaging your collections and legal teams have defined for that stage, since NPA accounts carry different regulatory and procedural requirements than pre-delinquent accounts. GCM configures the WhatsApp flow to stop the routine reminder sequence at this point rather than continuing to send standard nudges.

Consent withdrawal is honoured immediately, and the borrower is moved back to whatever alternative channel- SMS, IVR, or phone- your lending process already uses as a fallback. Get Click Media maintains an audit trail of consent status changes so a withdrawn borrower isn't inadvertently re-added to a broadcast list in a later campaign.