A deposit received message is a confirmation that tells a customer exactly how much money you received, when you received it, what it was for and which receipt, UTR or reference number it carries. A good one also shows a masked account or booking ID, the updated balance or next step, and a contact line, and goes out on WhatsApp as an approved Utility template within seconds of the money landing. Below are 15 copy-ready deposit received message templates for Indian banks, NBFCs, Nidhi companies, landlords, PG owners, rental firms, builders, hotels, schools and wallet apps, each with {{1}}-style variables, a filled sample and a suggested button.
WhatsApp has more than 500 million users in India, so a deposit confirmation sent there is usually read faster than an email and carries more detail than an SMS. If you need receipts for UPI, card and order payments rather than deposits, use our payment confirmation message templates alongside this guide.
What a good deposit received message contains
A deposit received message is a transactional notification that confirms a specific sum has reached your business or the customer's account, with enough detail for both sides to trace it later.
| Field | Why it matters | Example |
|---|---|---|
| Customer name | Confirms the message reached the right person | Dear Priya |
| Amount | The single fact the customer is checking | ₹25,000 |
| Date and time | Timestamp for disputes and reconciliation | 05 Oct 2026, 11:42 am |
| Reference number | Receipt no., UTR (NEFT, RTGS, IMPS) or UPI reference lets anyone trace the payment | RCPT-20481 or UTR 628712345678 |
| Masked account or ID | Identifies the account without exposing it | A/c XXXX4521, Booking BK7731 |
| Purpose | Separates a security deposit from rent, an FD from an RD | Security deposit, Flat 302 |
| Balance or next step | Closes the loop so the customer does not call | Maturity 05 Oct 2027, check-in 12 Oct |
| Contact and fraud line | Gives a verification route and blocks social engineering | Call your branch. We never ask for OTP or PIN. |
Never put a full account number, PAN, Aadhaar or card number in a deposit message. The last four digits are enough for recognition.
Fraud awareness belongs in every template. Fake "amount credited" messages are a common scam pattern in India: the fraudster claims an excess deposit and asks the victim to refund it, scan a QR code or share an OTP. Ending each confirmation with "We never ask for your OTP, PIN or password" trains customers to spot the fake version, and costs you one line.
Utility or Marketing: keep deposit messages in the Utility category
Meta classifies a deposit received message as a Utility template when it confirms a specific transaction the customer has already made and contains no promotional content. The moment a confirmation starts selling, the whole template can be treated as Marketing.
| Message line | Likely category | Reason |
|---|---|---|
| "We have received your FD deposit of ₹1,00,000." | Utility | Confirms a completed transaction |
| "Your security deposit refund of ₹20,000 has been processed." | Utility | Update on an existing transaction |
| "Your cheque no. 004512 has been cleared." | Utility | Status of a deposit already made |
| "Book another FD this week at a special rate." | Marketing | Promotes a new product |
| "Deposit received. Refer a friend and get ₹500 cashback." | Marketing | A promotional line turns the full template promotional |
A Utility template sent inside an open 24-hour customer service window is free from Meta. Outside that window, India's Utility rate is approx. ₹0.115 per message against approx. ₹0.86 for Marketing (check Meta's current rate card).
Meta template approval tips for deposit messages
- Choose Utility and a clear name, such as deposit_received_fd or security_deposit_received.
- Never start or end with a variable, and never place two variables back to back. Keep a fixed sentence after the last one.
- Keep the variable count proportional to the text. A template that is mostly placeholders looks like a free-form loophole.
- Submit realistic sample values (₹25,000, RCPT-20481, 05 Oct 2026) so the reviewer can read a real message.
- Use your own domain in URL buttons rather than link shorteners, and keep receipt links on HTTPS.
- Submit regional versions under the right language code (hi, mr, gu, ta, te, kn, bn) with the same variable order.
You can browse more ready formats in our WhatsApp template library before you submit.
Bank, NBFC, cooperative and Nidhi deposit templates
Deposit-taking institutions send the highest volume of these messages, and their customers check them most carefully, so precision matters more than tone.
Template 1: Fixed deposit booked and credited
Dear {{1}},
Your fixed deposit of ₹{{2}} has been booked on {{3}}.
FD number: {{4}}
Interest rate: {{5}}% p.a.
Maturity date: {{6}}
Download your FD receipt using the button below. We never ask for your OTP, PIN or password.
Sample: Dear Ramesh, your fixed deposit of ₹1,00,000 has been booked on 05 Oct 2026. FD number: FD00123987. Interest rate: 7.25% p.a. Maturity date: 05 Oct 2027.
Button: Download FD Receipt (URL)
Template 2: Recurring deposit instalment received
Dear {{1}},
We have received your RD instalment of ₹{{2}} for account {{3}} on {{4}}.
Instalments paid: {{5}} of {{6}}
Next instalment due: {{7}}
Thank you for saving with us.
Sample: Dear Kavita, we have received your RD instalment of ₹5,000 for account XXXX7712 on 05 Oct 2026. Instalments paid: 8 of 24. Next instalment due: 05 Nov 2026.
Button: View Statement (URL)
Template 3: Cooperative society or Nidhi member deposit received
Dear {{1}},
Your deposit of ₹{{2}} towards {{3}} (member no. {{4}}) was received at our {{5}} branch on {{6}}.
Receipt no.: {{7}}
For any query, tap Call Us or visit your branch. We never ask for your OTP or PIN.
Sample: Dear Suresh, your deposit of ₹10,000 towards Fixed Deposit (member no. M-04418) was received at our Rajkot branch on 05 Oct 2026. Receipt no.: R/2026/8812.
Button: Call Us (phone)
Nidhi companies can accept deposits only from their members, so quoting the member number in every confirmation reinforces that relationship. Our guide to WhatsApp for Nidhi company member deposits covers maturity reminders and renewal flows. Lenders that also send sanction and disbursal updates can reuse this structure from our loan approval message templates.
Cash and cheque deposit received templates
Cash and cheque deposits need different wording because a cheque is not money yet. Confirm receipt first, then confirm clearing as a separate event.
Template 4: Cash deposit received
Dear {{1}},
Cash of ₹{{2}} has been deposited to your account {{3}} on {{4}} at {{5}}.
Available balance: ₹{{6}}
Receipt no.: {{7}}
If you did not make this deposit, please call your branch immediately.
Sample: Dear Imran, cash of ₹15,000 has been deposited to your account XXXX4521 on 05 Oct 2026 at 11:42 am. Available balance: ₹48,230. Receipt no.: C-55102.
Button: View Statement (URL)
Template 5: Cheque received, sent for clearing
Dear {{1}},
We have received cheque no. {{2}} for ₹{{3}}, drawn on {{4}}, on {{5}}.
The cheque has been sent for clearing and funds are expected by {{6}}. We will confirm once it is cleared.
Sample: Dear Meena, we have received cheque no. 004512 for ₹42,000, drawn on State Bank of India, on 05 Oct 2026. Funds are expected by 06 Oct 2026.
Button: Call Us (phone)
Template 6: Cheque cleared and credited
Dear {{1}},
Your cheque no. {{2}} for ₹{{3}} has been cleared and credited to {{4}} on {{5}}.
Updated balance: ₹{{6}}
Thank you for banking with us.
Sample: Dear Meena, your cheque no. 004512 for ₹42,000 has been cleared and credited to account XXXX9034 on 06 Oct 2026. Updated balance: ₹1,12,640.
Get a 1-minute BSP audit on WhatsApp
Drop your WhatsApp number — we line-item your current invoice against Meta India rates in under 60 seconds. India-hosted, DPDP-compliant.
Button: Download Receipt (URL)
Security deposit received templates for rentals
A security deposit receipt on WhatsApp protects both sides: the tenant or renter gets a timestamped record, and the owner has written proof of the amount and terms when the refund is due.
Template 7: Rental property security deposit
Dear {{1}},
We have received your security deposit of ₹{{2}} for {{3}} on {{4}} via {{5}}.
Receipt no.: {{6}}
Lease start date: {{7}}
The deposit is refundable as per your rental agreement. Tap below to download your receipt.
Sample: Dear Ankit, we have received your security deposit of ₹60,000 for Flat 302, Shanti Residency on 05 Oct 2026 via NEFT. Receipt no.: SD-0192. Lease start date: 15 Oct 2026.
Button: Download Receipt (URL)
Template 8: PG or hostel security deposit
Hi {{1}},
Your security deposit of ₹{{2}} for room {{3}} at {{4}} was received on {{5}}.
Monthly rent: ₹{{6}}, due on the {{7}} of every month.
Please carry a photo ID at check-in. Reply here for any help.
Sample: Hi Sneha, your security deposit of ₹12,000 for room 204 at Green Nest PG, Koramangala was received on 05 Oct 2026. Monthly rent: ₹9,500, due on the 5th of every month.
Button: Get Directions (URL)
Template 9: Equipment or vehicle rental deposit
Dear {{1}},
We have received a refundable security deposit of ₹{{2}} for {{3}} (booking ID {{4}}) on {{5}}.
Rental period: {{6}} to {{7}}
The deposit will be refunded after the return inspection, as per the rental terms. Tap Call Us for any help.
Sample: Dear Vikram, we have received a refundable security deposit of ₹5,000 for Royal Enfield Classic 350 (booking ID RB-2291) on 05 Oct 2026. Rental period: 06 Oct to 09 Oct 2026.
Button: Call Us (phone)
Booking advance and token amount received templates
A booking advance confirmation converts a payment into a reservation in the customer's mind. Always state what is now held for them and what is still payable.
Template 10: Real estate token or booking amount
Dear {{1}},
Thank you. We have received your booking amount of ₹{{2}} for unit {{3}} at {{4}} on {{5}}.
Payment reference: {{6}}
Our team will share the next steps for your agreement for sale. Tap below to download your receipt.
Sample: Dear Rohit, we have received your booking amount of ₹2,00,000 for unit B-1104 at Skyline Heights on 05 Oct 2026. Payment reference: UTR 628712345678.
Button: Download Receipt (URL)
Section 13 of the Real Estate (Regulation and Development) Act, 2016 bars a promoter from accepting more than 10% of the apartment cost as an advance or application fee before executing a registered agreement for sale, so keep the token amount and the agreement step consistent with that rule.
Template 11: Hotel or homestay booking advance
Dear {{1}},
Your advance of ₹{{2}} for booking {{3}} at {{4}} has been received.
Check-in: {{5}}
Balance payable at check-in: ₹{{6}}
Tap below for directions or to contact the property.
Sample: Dear Farah, your advance of ₹4,500 for booking HM-5520 at Pine View Homestay, Manali has been received. Check-in: 12 Oct 2026, 1 pm. Balance payable at check-in: ₹9,000.
Button: Get Directions (URL)
Template 12: Banquet, event venue or travel package advance
Dear {{1}},
We have received an advance of ₹{{2}} for {{3}} on {{4}} (booking ID {{5}}).
Balance due: ₹{{6}} by {{7}}
Your date is now reserved. Tap below to view your booking confirmation.
Sample: Dear Mr Sharma, we have received an advance of ₹50,000 for the reception at Grand Lotus Banquet on 05 Oct 2026 (booking ID GL-118). Balance due: ₹1,50,000 by 20 Nov 2026.
Button: View Booking (URL)
Admission deposit, wallet top-up and refund templates
Template 13: School or coaching admission deposit
Dear {{1}},
We have received the admission deposit of ₹{{2}} for {{3}} in {{4}} for the {{5}} session.
Receipt no.: {{6}}
Our office will share the class schedule and joining details shortly.
Sample: Dear Mrs Iyer, we have received the admission deposit of ₹25,000 for Aarav in Class 6 for the 2026-27 session. Receipt no.: ADM-3307.
Button: Download Receipt (URL)
Template 14: Wallet or prepaid balance top-up credited
Hi {{1}},
₹{{2}} has been added to your {{3}} wallet on {{4}}.
Transaction ID: {{5}}
Wallet balance: ₹{{6}}
We never ask for your OTP or PIN to add money.
Sample: Hi Arjun, ₹1,000 has been added to your QuickRide wallet on 05 Oct 2026. Transaction ID: TXN88213456. Wallet balance: ₹1,240.
Button: View Wallet (URL)
Template 15: Security deposit refund initiated or processed
Dear {{1}},
Your security deposit refund of ₹{{2}} for {{3}} has been {{4}} on {{5}}.
Deductions, if any: ₹{{6}}
Refund reference: {{7}}
The amount usually reflects in your bank account within a few working days. Tap below for the settlement statement.
Sample: Dear Ankit, your security deposit refund of ₹57,500 for Flat 302, Shanti Residency has been processed on 30 Sep 2027. Deductions, if any: ₹2,500. Refund reference: UTR 731298765432.
Button: View Statement (URL)
Itemise deductions on the statement behind the button, not in the message. For full refund journeys, see our guide to WhatsApp refund status updates.
SMS vs WhatsApp for deposit confirmations, and what it costs
| Factor | SMS | WhatsApp Business API |
|---|---|---|
| Format | Short plain text | Formatted text, buttons and document headers |
| Receipt | A plain link, often distrusted | PDF receipt or a Download Receipt button |
| Sender identity | Six-character sender header | Business display name and profile |
| Replies | Mostly one-way | Two-way chat with hand-off to your team |
| Delivery proof | Delivery report | Delivered and read status (where read receipts are on) |
| Setup | TRAI DLT header and template registration | Meta template approval; GST needed to go live |
| Cost | Varies by vendor and route | Meta Utility charge approx. ₹0.115 plus platform fee |
RichAutomate charges ₹0 setup and a ₹0 monthly fee. On Client Pay you pay Meta's charge plus ₹0.10 per message; on SaaS Pay it is a flat ₹0.50 per Utility and ₹1.50 per Marketing message. For example, 1,000 deposit confirmations cost approx. ₹215 on Client Pay (₹0.115 + ₹0.10 each, check Meta's current rate card) or ₹500 on SaaS Pay, and less when the customer messaged you in the last 24 hours, because Meta's Utility charge is then zero. Plans run Starter ₹499, Pro ₹899 and White-label ₹1,199 per month; see RichAutomate pricing for what each includes.
How to automate deposit received messages
The best deposit confirmation is the one nobody has to send by hand. The flow is simple: money lands, your system fires an event, your server calls the WhatsApp API with an approved template, and the customer gets the message seconds later.
- Connect your WhatsApp Business API number on RichAutomate. Going live needs a verified Meta Business account and GST registration; the free trial works without GST.
- Create and submit the templates above in the Utility category with realistic samples.
- Pick the trigger where the money is recorded: a payment gateway webhook for online payments, your core banking or deposit software for FDs and RDs, receipt vouchers in your accounting software, a hotel PMS for advances, or a school ERP for admission fees.
- Map fields to variables: name, amount, date, reference, masked account and purpose.
- Call the RichAutomate developer API with the template name, variables and a dynamic receipt URL for the button.
- Route replies to your team in the shared inbox and watch delivery and read status.
Use the transaction or receipt ID as a de-duplication key, so a webhook retry never sends the customer two confirmations for one deposit.
Start sending deposit confirmations on WhatsApp
Copy the templates, submit them as Utility, and connect them to the system where your deposits are recorded. Customers get an instant, traceable receipt, and your team stops answering "did you get my money?" calls. Start your 14-day free trial with 100 free credits on RichAutomate, with ₹0 setup and a ₹0 monthly fee.