A KYC update reminder message on WhatsApp tells the customer, by name, that their KYC is due or pending, what exactly is needed (a self-declaration, a fresh document or a Video KYC call), the deadline, and one official link or branch option to complete it. It must be sent as an approved Utility template and must never ask for an OTP, PIN, password or full Aadhaar number in chat. Below are 15 copy-ready templates for banks, NBFCs, brokers, MF distributors, insurers, wallets and payment aggregators.
Every template uses Meta's numbered variables ({{1}}, {{2}} and so on), so your compliance and operations teams can paste it into a template manager, add sample values and submit it for approval.
What a KYC update reminder message must contain
A KYC update reminder is a transactional notice asking an existing customer to refresh or complete the identity and address records a regulated entity holds for them. Re-KYC, also called periodic updation, is the scheduled refresh of those records at intervals set by the customer's risk category.
Periodic updation intervals per RBI KYC Master Direction
Per the RBI KYC Master Direction, regulated entities must carry out periodic updation at least once every 2 years for high-risk customers, once every 8 years for medium-risk customers and once every 10 years for low-risk customers. Where an individual's KYC details have not changed, the Master Direction allows a self-declaration through channels such as registered email, registered mobile number, internet or mobile banking, or a letter.
Brokers and MF distributors follow SEBI's KYC Registration Agency (KRA) framework and insurers follow IRDAI's KYC guidelines, but the message design is the same: what is due, by when, and how to finish it safely.
Fields every KYC message needs
- Customer name.
- Masked identifier, such as account ending 4521, never the full number.
- What is due: re-KYC, a missing or rejected document, or a Video KYC call.
- Deadline, in neutral words.
- One official route: app, website or branch.
- A safety line: "We will never ask for your OTP, PIN or password."
If you are planning the wider onboarding journey, our guide to WhatsApp for BFSI and fintech KYC covers consent capture, data handling and agent hand-off.
Utility or Marketing: which category KYC templates belong to
KYC reminders, document requests, Video KYC slot confirmations and KYC completion messages are Utility templates, because they concern an account or policy the customer already holds and a regulatory step they must complete. Marketing templates cover offers, upgrades and anything meant to sell. Authentication is a separate category reserved for one-time passcodes.
A KYC template stays Utility only while it sticks to the account action. Add a credit card offer, a new fund launch or an upgrade pitch, and Meta can reclassify it as Marketing.
| Message | Category | Why |
|---|---|---|
| Re-KYC due reminder (T-30, T-15, T-7) | Utility | Required action on an existing account |
| Document pending or rejected | Utility | Specific to the customer's own KYC file |
| Video KYC slot booking and reminder | Utility | Confirms a process the customer has started |
| OTP to log in or verify a number | Authentication | One-time passcode only |
| "Complete KYC and unlock a pre-approved loan" | Marketing | Sales offer mixed into the reminder |
For the detailed rules Meta applies, see our explainer on WhatsApp message template categories.
Periodic re-KYC due and expired KYC templates
Send three reminders before the due date, each adding something new: the first explains, the second offers the easiest route, the third states the deadline.
Template 1: T-30 periodic re-KYC due
Category: Utility. Suggested name: rekyc_due_t30
Dear {{1}},
As per regulatory requirements, the KYC for your account ending {{2}} is due for periodic update by {{3}}.
If your details have not changed, you can confirm them in a few steps on our official app or website. If anything has changed, please keep your updated address proof ready.
We will never ask for your OTP, PIN or password.
Buttons: Update KYC (URL), Talk to Us (quick reply)
Template 2: T-15 reminder with the easiest route
Category: Utility. Suggested name: rekyc_due_t15
Dear {{1}},
This is a reminder that the KYC update for your account ending {{2}} is due by {{3}}.
You can complete it online through DigiLocker or Video KYC, or visit your nearest branch with original documents.
Please ignore this message if you have already submitted your update.
Buttons: Update KYC (URL), Book Video KYC (URL)
Template 3: T-7 final reminder
Category: Utility. Suggested name: rekyc_due_t7
Dear {{1}},
The KYC update for your account ending {{2}} is due in 7 days, on {{3}}.
To keep all services on your account running without interruption, please complete the update before the due date.
Our team will never call or message you asking for your OTP, PIN, CVV or full Aadhaar number.
Buttons: Update KYC (URL), Call Helpline (phone)
Template 4: No-change self-declaration
Category: Utility. Suggested name: rekyc_self_declaration
Dear {{1}},
The periodic KYC update for your account ending {{2}} is due by {{3}}.
If your name, address and other KYC details are unchanged, you only need to confirm this through a self-declaration on our official app or website.
If any detail has changed, choose Update Details to submit a fresh document.
Buttons: Confirm No Change (URL), Update Details (URL)
Template 5: KYC expired, account restricted notice
Category: Utility. Suggested name: kyc_overdue_restriction
Dear {{1}},
The KYC update for your account ending {{2}} was due on {{3}} and has not been completed.
As per regulatory norms, some transactions on this account are restricted from {{4}}. Your balance remains safe, and full services resume once the KYC update is completed and verified.
You can complete it online or at any branch using the options below.
Buttons: Update KYC (URL), Find Branch (URL)
Send the restriction notice only after the notice period your board-approved policy requires, and describe the restriction exactly as your system applies it.
Document pending, Video KYC and DigiLocker templates
A message that names the exact document and reason gets it fixed faster than a generic "your KYC is incomplete".
Template 6: PAN pending
Category: Utility. Suggested name: kyc_doc_pending_pan
Dear {{1}},
To complete the KYC for your {{2}} account ending {{3}}, we still need a copy of your PAN card.
Please upload it only through the secure link below by {{4}}. Do not share document photos with anyone who contacts you from another number.
Buttons: Upload PAN (URL), Talk to Us (quick reply)
Template 7: Address proof or Aadhaar rejected
Category: Utility. Suggested name: kyc_doc_rejected
Dear {{1}},
The {{2}} you submitted for KYC on {{3}} could not be accepted.
Reason: {{4}}
Please upload a clear copy again using the button below. If you share an Aadhaar copy, use the masked version that shows only the last four digits of your Aadhaar number.
Buttons: Re-upload Document (URL), Talk to Us (quick reply)
Template 8: Video KYC (V-CIP) slot booking
Category: Utility. Suggested name: vkyc_slot_booking
Dear {{1}},
You can complete the KYC for your account ending {{2}} through a short Video KYC call with our official, without visiting a branch.
Please keep your original PAN card, a blank white paper and a pen ready, and join from a well-lit place in India with a stable internet connection.
Choose a convenient slot using the button below.
Buttons: Book Slot (URL), Talk to Us (quick reply)
Template 9: Video KYC slot reminder
Category: Utility. Suggested name: vkyc_slot_reminder
Dear {{1}},
Your Video KYC call is scheduled for {{2}} at {{3}}.
Please join 5 minutes early using the button below, with your original PAN card ready. Our official will never ask you to read out an OTP, PIN or password during the call.
Need another time? Tap Reschedule.
Buttons: Join Video KYC (dynamic URL), Reschedule (quick reply)
Video-based Customer Identification Process (V-CIP) is a consent-based, live video interaction between the customer and an official of the regulated entity, permitted under the RBI KYC Master Direction as an alternative to an in-person visit.
Template 10: DigiLocker consent link
Category: Utility. Suggested name: kyc_digilocker_consent
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Dear {{1}},
You can update your KYC in a few minutes by sharing documents directly from your DigiLocker account.
Tap the button below, sign in on the official DigiLocker page and give consent to share your {{2}} with {{3}}. The documents come from the issuing authority, so you do not need to upload any photos.
This link is valid until {{4}}.
Buttons: Share via DigiLocker (dynamic URL)
DigiLocker is the Government of India's document wallet, and documents pulled from it with the customer's consent arrive as issuer-signed records rather than phone photos. Our walkthrough of DigiLocker KYC document verification on WhatsApp covers the consent screen and the callback to your system.
KYC completed, CKYC/KRA status and Hindi/Hinglish templates
Closing the loop stops repeat submissions and "is my KYC done?" calls. For brokers and MF distributors, KRA status is often the real blocker.
Template 11: KYC completed confirmation
Category: Utility. Suggested name: kyc_completed
Dear {{1}},
Your KYC update for account ending {{2}} was completed successfully on {{3}}.
All services on your account are active. Your next periodic KYC update will be due around {{4}}, and we will remind you well in advance.
Thank you for keeping your details up to date.
Buttons: View Account (URL)
Template 12: KRA status on hold (broker or mutual fund)
Category: Utility. Suggested name: kra_status_on_hold
Dear {{1}},
Your KYC status with the KRA for PAN ending {{2}} is currently shown as {{3}}.
This may stop new purchases or SIP registrations until it is resolved. Common reasons include an unvalidated email ID or mobile number, or a PAN that is not linked with Aadhaar.
Tap the button below to see what is pending and fix it online.
Buttons: Check KYC Status (URL), Talk to Us (quick reply)
Template 13: CKYC record created or updated
Category: Utility. Suggested name: ckyc_record_update
Dear {{1}},
Your KYC record has been uploaded to the Central KYC Records Registry. Your CKYC Identifier (KIN) ends with {{2}}.
You can share this identifier with other regulated institutions to simplify future KYC. Any later change in your details can be updated through us.
For any query, reply to this message.
Buttons: View KYC Details (URL)
The Central KYC Records Registry is maintained by CERSAI and lets a customer's verified KYC record be reused across banks, NBFCs, insurers and intermediaries. KRAs play a similar role for the securities market.
Template 14: Hindi re-KYC reminder
Category: Utility. Language: Hindi (hi)
नमस्ते {{1}},
आपके खाते (अंतिम अंक {{2}}) का KYC अपडेट {{3}} तक करना आवश्यक है।
कृपया हमारे आधिकारिक ऐप, वेबसाइट या नज़दीकी शाखा के माध्यम से KYC अपडेट करें।
हम कभी भी आपसे OTP, PIN या पासवर्ड नहीं मांगते।
Buttons: KYC अपडेट करें (Update KYC, URL), हमसे बात करें (Talk to Us)
Template 15: Hinglish re-KYC reminder
Category: Utility. Language: English (en)
Hi {{1}},
Aapke account ending {{2}} ka KYC update {{3}} tak due hai.
Online update karne ke liye neeche diye button par tap karein, ya apni nearest branch visit karein.
Dhyaan dein: hum kabhi bhi OTP, PIN ya password nahi maangte.
Buttons: Update KYC (URL), Talk to Us (quick reply)
Meta has no separate language code for Romanised Hindi, so Hinglish templates are usually submitted under English. Keep the same variable order across all language versions.
When to send: the re-KYC timing ladder
Space messages so each one carries new information. Repeats raise block rates and hurt your number's quality rating.
| Stage | When | Template |
|---|---|---|
| First notice | T-30 | 1 |
| Easiest-route reminder | T-15 | 2 or 4 |
| Final reminder | T-7 | 3 |
| Document pending | Within a day of finding the gap | 6 |
| Document rejected | Same day as the check | 7 |
| Video KYC reminder | Day before and one hour before the slot | 9 |
| Restriction notice | Only after the notice period in your policy | 5 |
| KRA or CKYC status | When the status changes | 12 or 13 |
| Completion confirmation | When verification is done | 11 |
Stop the ladder the moment a customer submits documents or books a Video KYC slot.
Fraud-safe wording: never ask for OTP, PIN or full Aadhaar
Fake "update your KYC or your account will be blocked" messages are a well-known fraud pattern in India, and RBI has publicly cautioned customers against sharing login details, card information, PIN or OTP with anyone claiming to update KYC, and against clicking unverified links.
A fraud-safe KYC message lets the customer finish KYC without trusting the message itself: they can open your official app, visit a branch or call the number printed on their card, passbook or policy document instead.
- Never ask for OTP, PIN, CVV, passwords or the full Aadhaar number, and say so.
- Link only to your official domain or your own app. No URL shorteners.
- Send from one verified business number and list it on your website.
- Avoid artificial urgency. "Blocked in 2 hours" is a scam signal.
- Never ask customers to install screen-sharing or remote-access apps.
- Collect documents only through your secure upload flow or DigiLocker.
- Always offer a non-digital route.
WhatsApp's Business Messaging Policy also bars asking users for full card, bank account or national ID numbers in chat.
SMS vs WhatsApp vs email for KYC reminders
WhatsApp usually joins existing SMS and email notices rather than replacing them.
| Factor | SMS | WhatsApp Business API | |
|---|---|---|---|
| Reach | Every mobile number, including feature phones | Smartphone users on WhatsApp, a very large share of Indian customers | Only customers with a valid, regularly checked email ID |
| Cost per message | Low; vendor rates and DLT registration apply | Meta's Utility charge plus platform fee | Lowest marginal cost |
| Trust signal | Sender header; customers find it hard to tell genuine from fake | Verified business display name and profile | Sender domain; lookalike phishing is common |
| Actions | Plain link only | URL buttons, quick replies, slot booking, documents | Links and attachments |
| Two-way replies | Limited | Full chat with hand-off to an agent | Slow, often unanswered |
| Approval | DLT header and template registration | Meta template approval | None |
A practical setup is WhatsApp first, with SMS fallback for numbers that are not on WhatsApp and email for the formal record.
What KYC reminders cost on RichAutomate
RichAutomate charges ₹0 setup and a ₹0 monthly platform fee. On Client Pay you pay Meta's per-message charge plus ₹0.10 per message. On SaaS Pay you pay a flat ₹0.50 per Utility message and ₹1.50 per Marketing message. Every template in this guide is Utility. Plans are Starter ₹499, Pro ₹899 and White-label ₹1,199 per month; see RichAutomate pricing for what each includes.
Mistakes that get KYC templates rejected
- Requesting sensitive data. It breaks WhatsApp policy and looks like fraud.
- Alarmist or threatening copy. Threats invite rejection and reports.
- Mixing offers into reminders. This invites recategorisation to Marketing.
- Badly placed variables. Meta rejects templates that start or end with a variable or place variables back to back.
- Shortened or mismatched links. Use your own domain.
- Missing or unrealistic samples. Use realistic values such as Rahul, 4521, 15 Nov 2026.
- Wrong language code. Hindi text must go under hi.
- No opt-in. Record WhatsApp consent at onboarding.
No provider can guarantee a number will never be restricted; quality depends on consent and how customers respond.
How to set up KYC reminders on RichAutomate
- Connect your WhatsApp Business API number. Going live needs a verified Meta Business account and GST or MSME registration.
- Create the templates above, choose Utility and add sample values.
- Import customers with name, masked ID and due date, or push them via the developer API.
- Schedule the ladder: T-30, T-15 and T-7, plus API-triggered event messages.
- Route replies to your team in the shared inbox.
- Track delivery and read status.
The same reminder ladder works for loan dues; our EMI due and bounce reminder templates follow an identical Utility-first structure.
Ready to move re-KYC reminders to WhatsApp? Start your 14-day free trial with 100 credits. There is ₹0 setup and a ₹0 monthly fee, and you pay per message once you go live.