Linkubit
Car & bike dealersUtility · updated 19 September 2026

WhatsApp template: documents for the car loan

The finance file needs papers.

In short

A utility template, sent the finance file needs papers. Usually sent outside the 24-hour window, so it is charged: ₹0.115 per message in India, before GST.

The template

Hi {{1}}, for the loan on your {{2}} the bank needs: {{3}}. Send them here as photos or PDFs by {{4}} and {{5}} will file them the same day.

Utility · 5 variables

Variables

  1. {{1}} — Buyer name
  2. {{2}} — Model
  3. {{3}} — Document list
  4. {{4}} — Date
  5. {{5}} — Who handles it

Filled in

Hi Arjun, for the loan on your Creta the bank needs: PAN, Aadhaar, 3 months' salary slips, 6 months' bank statement, one passport photo. Send them here as photos or PDFs by Monday and Deepak will file them the same day.

When to send it, and what gets it rejected

One list, one date. The papers sit in the thread beside the booking.

Submitting it to Meta

Create it in WhatsApp Manager (or through your tool) with the category Utility, paste the body with the {{n}} variables, and give each variable a sample value from the example above — Meta’s review reads the samples. Approval usually takes minutes to a few hours. If it comes back re-categorised as marketing, a line in the body reads as promotional; remove it rather than argue.

What it costs to send

In India, Meta charges ₹0.115 per delivered message for a utility template, plus 18% GST, when it is sent outside the customer’s 24-hour window. Inside the window it has been charged at the same rate since 1 October 2026. The pricing guide has the full rate card; Linkubit adds nothing to it.

Send it without typing it

In Linkubit this template is a step the assistant sends on its own when the moment arrives — the enquiry lands, the visit is booked, the shipment moves — with the variables filled from the record. Start free and connect your number.

Questions about this template

Is "Loan documents" a utility or a marketing template?

Utility. It is about the customer's own transaction, so it needs no separate opt-in, and it is charged at the utility rate inside and outside the 24-hour window since 1 October 2026.

What does it cost to send "Loan documents" in India?

₹0.115 per delivered message before 18% GST, on Meta's published rate as read on 18 September 2026. It is usually sent outside the window, so it is charged from the first message. Meta bills your own account; nothing is added.

Can I change the wording of "Loan documents"?

Yes. Keep the variables in order and none at the start or end of the body, keep the category honest — no offer, discount or "limited time" line in a utility message — and resubmit; the previous version keeps working until the new one is approved. The template checker tests a draft before you submit it.

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