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The banking and insurance industries thrive on trust, clarity, and quick communication. Whether it’s sending transaction alerts, policy updates, KYC reminders, claim notifications, or EMI alerts—customers expect real-time updates. WhatsApp, with its 98% open rate and instant delivery, has become the most preferred channel for financial communication in India.
This is where pre-approved WhatsApp template messages help you send fast, secure, and compliant notifications at scale using the WhatsApp Business API.
Here’s why financial institutions rely on WhatsApp templates:
Let’s jump into the templates.
Below are categorized templates for different stages of customer engagement.
Template:
Hi {{name}}, welcome to {{bank_name}}! Your account has been successfully created. You can now access mobile banking, fund transfers, and more. Need help? Reply ‘Support’.
Template:
Your OTP for {{purpose}} is {{otp}}. This OTP is valid for {{time}} minutes. Do not share it with anyone. – {{bank_name}}
Template:
Hi {{name}}, your KYC account {{account_no}} is due for renewal. Please update it before {{date}} to continue uninterrupted services. Click here to update: {{link}}
Template:
Hi {{name}}, your account {{account_no}} has a current balance of ₹{{amount}}. For detailed statement click: {{link}}
Template:
₹{{amount}} has been {{type}} from your account {{account_no}} on {{date}}. If this wasn’t you, report immediately: {{link}}
Template:
Hi {{name}}, your loan application for ₹{{amount}} is now {{status}}. Our team will contact you shortly. Track your application: {{link}}
Template:
Hi {{name}}, your EMI amount ₹{{amount}} for loan {{loan_no}} is due on {{date}}. Pay securely using this link: {{payment_link}}
Template:
Your policy {{policy_no}} has been successfully issued. Coverage starts from {{start_date}}. Download your policy document: {{link}}
Template:
Hi {{name}}, your insurance policy {{policy_no}} expires on {{date}}. Renew now to stay protected. Click here: {{renew_link}}
Template:
Hi {{name}}, we’ve received your claim request (ID {{claim_id}}). Our team will update you within 48 hours. Track status here: {{link}}
Template:
Your claim {{claim_id}} has been {{status}}. Amount credited: ₹{{amount}}. For details click: {{link}}
Template:
Your premium payment of ₹{{amount}} for policy {{policy_no}} has been successfully received. Thank you for staying protected with us.
Template:
Suspicious activity detected on your account {{account_no}}. If this wasn’t you, click here to secure your account immediately: {{link}}
Template:
Hi {{name}}, based on your profile, you are eligible for a personal loan up to ₹{{amount}} at attractive interest rates. Apply instantly: {{link}} Reply STOP to unsubscribe.
Using WhatsApp templates simplifies and strengthens the way financial brands communicate:
Track doctor, nurse, and staff attendance while maintaining shift transparency.
✅ Use Case: Instant WhatsApp alerts for shift check-ins.
Here’s a simple workflow:
Step 1: Get WhatsApp Business API access
Step 2: Create and submit WhatsApp templates for approval
Step 3: Integrate with your CRM/Core Banking/Insurance system
Step 4: Automate triggers
Step 5: Track delivery & customer responses
If you are in BFSI, Chat ON Desk gives you:
Compared to traditional SMS notifications:
With minimal setup, you get lifetime efficiency and modernized communication
WhatsApp is now the strongest customer communication channel for the financial industry. From instant alerts to policy renewals, claim updates, and secure authentication—WhatsApp templates help banks and insurance companies deliver faster, safer, and more reliable service.
Use these 14 templates to boost customer satisfaction, automate operations, and improve trust—without adding extra workload to your team.