Deposit Received WhatsApp Templates
A deposit received message confirms that money has landed — a payment, a salary credit, a fixed deposit booking, a refund. It is the simplest message in finance and one of the most valued, because the alternative is a customer refreshing their banking app in mild anxiety. Send it the moment the credit clears, with the reference number, and the "did it go through?" call never happens.
Meta billing category
Templates on this page are typically approved as Utility, billed at ~₹0.115 per message (India).
Transactional — tied to an order, account, or appointment the customer already has. Cheapest category. Adding promotional lines risks Meta reclassifying it as Marketing at ~7.5x the cost.
Copy-ready templates
Replace the {{placeholders}} with your platform’s variables before submitting to Meta for approval.
1. Payment credited
Credited, {{name}}. ✅ ₹{{amount}} received on {{payment_date}} From: {{payer_name}} Reference: {{payment_reference}} Available balance: ₹{{available_balance}} Thank you.
Best for: Every inbound credit, fired off the banking webhook.
2. Fixed deposit booked
Hi {{name}}, your fixed deposit is booked. 🏦 Principal: ₹{{amount}} Rate: {{interest_rate}}% p.a. Tenure: {{tenure_months}} months Matures on: {{maturity_date}} Maturity value: ₹{{maturity_amount}} Deposit receipt attached.
Best for: FD booking. Showing the maturity value up front is what customers actually want to see.
3. FD maturing soon
Hi {{name}}, your fixed deposit {{deposit_id}} matures on {{maturity_date}}. ⏳ Maturity value: ₹{{maturity_amount}} What next? Reply RENEW to reinvest at the current rate Reply CREDIT to have it credited to your account No reply? We will follow our standing instruction: {{default_action}}.
Best for: 7 days before maturity. Stating the default removes any nasty surprise.
4. Refund processed
Hi {{name}}, your refund has been processed. 💰 Amount: ₹{{amount}} Against: {{refund_for}} Reference: {{payment_reference}} It should reflect in your account within {{settlement_days}} working days — bank timelines, not ours, sadly. Any issues, just reply.
Best for: On refund initiation. Setting the settlement expectation prevents the chase.
5. Salary credited
Salary credited, {{name}}. 💸 ₹{{amount}} from {{employer_name}} on {{payment_date}} Available balance: ₹{{available_balance}} Your payslip is attached.
Best for: Payroll day. Reliably the most-opened message a bank sends all month.
What each variable means
These 15 placeholders appear in the templates above. Map each one to the matching field in your WhatsApp platform before you submit for approval.
| Variable | What to put in it |
|---|---|
{{name}} | The customer's first name. |
{{amount}} | Total amount in rupees, without the ₹ symbol (the template adds it). |
{{payment_date}} | Date the payment was received. |
{{payer_name}} | Replace with the payer name for this message. |
{{payment_reference}} | Replace with the payment reference for this message. |
{{available_balance}} | Replace with the available balance for this message. |
{{interest_rate}} | Interest rate, as a percentage. State the basis (p.a. or per month). |
{{tenure_months}} | Loan tenure in months. |
{{maturity_date}} | Replace with the maturity date for this message. |
{{maturity_amount}} | Replace with the maturity amount for this message. |
{{deposit_id}} | Replace with the deposit id for this message. |
{{default_action}} | Replace with the default action for this message. |
{{refund_for}} | Replace with the refund for this message. |
{{settlement_days}} | Replace with the settlement days for this message. |
{{employer_name}} | Replace with the employer name for this message. |
Frequently asked questions
Should I put the account balance in the message body?
Think carefully about it. A balance in the visible body shows up in a lock-screen notification preview, where anyone glancing at the phone can read it. For high-value accounts, put the amount credited in the body and the balance in an attached statement instead. For everyday accounts most customers prefer the convenience — but it should be their choice, not a default you imposed.
How fast should a credit confirmation go out?
Within seconds of the credit clearing, fired automatically from the payment or core-banking event. The entire value of this message is that it arrives before the customer thinks to check. A confirmation that lands an hour later has already been beaten by the customer opening their banking app, and has saved nobody anything.
Related template sets
- Account Update WhatsApp TemplatesAccount update messages tell a customer that something about their account has changed — KYC is due, a statement is ready, a nominee was added, contact details were altered. Their real job is security: a customer who is told immediately that their registered mobile number was changed is a customer who can stop an account takeover in progress. Send these on the change, not in a monthly digest.
- Loan EMI Reminder WhatsApp TemplatesA loan EMI reminder is a message telling a borrower that their monthly instalment is due, with the amount, the date, and a tap-to-pay UPI link so they can clear it immediately. WhatsApp works far better than SMS or a call for this because the borrower can actually act on it in the same breath — and because a polite, private reminder preserves the relationship in a way a collections call does not. Send one before the due date, one on it, and one after.
- Fraud Alert WhatsApp TemplatesA fraud alert warns a customer about a suspicious transaction and gives them a way to confirm or block it fast. The paradox of this message is that fraudsters send messages that look exactly like it — so a real fraud alert must be built to be distinguishable from a fake one. That means: never ask for an OTP, never ask for a PIN, never include a link that asks for credentials, and say so explicitly inside the message itself.
- UPI Payment Request WhatsApp TemplatesA UPI payment request is a WhatsApp message that asks a customer to pay a specific amount and carries a tap-to-pay UPI link, so the payment happens inside the chat in seconds. It is the fastest way an Indian business gets paid: no invoice email, no bank details typed by hand, no "send me your QR" back-and-forth. Send it the moment an amount becomes payable, and pair it with an automatic receipt when the money lands.
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