EMI reminders and member updates, on WhatsApp
Finance by Wamojo helps co-operative banks, credit societies and NBFCs send EMI reminders, receipts and updates and answer loan enquiries automatically, on the official WhatsApp Business API.
Overdues and phone calls eat your staff time
Missed EMIs
Customers forget due dates and miss instalments.
Calling for KYC
Branch staff spend hours calling about KYC and renewals.
Untracked enquiries
Loan enquiries from ads and branches are not tracked.
Everything your bank or society needs on WhatsApp
One platform for loan enquiries, EMI reminders, receipts, KYC, renewals and member communication.
EMI reminders
Polite reminders before and on the due date with a payment link. Fewer overdue accounts and recovery calls.
Payment receipts
Instalment receipts and statements sent the moment a payment is posted.
Loan & deposit menu
Gold loan, vehicle loan, FD and RD details with rates and document checklist, answered instantly.
Enquiry to loan officer
Every enquiry captured with details and assigned to the right officer and branch in the CRM.
KYC & renewals
Request KYC updates, remind FD maturity and gold loan renewal, and collect documents on WhatsApp.
Branch visit booking
Members book a branch visit or a call back with an officer in a few taps.
Offers & notices
Festive loan offers, new schemes, holidays and AGM notices to opted-in members.
Core banking integration
Trigger reminders and receipts from your software through API and webhooks.
From enquiry to on-time EMI, automatically
We set this flow up for you. Your staff step in only when a member needs a human.
- Step 1
Customer enquires
From a branch QR, a newspaper ad or a missed call.
- Step 2
Loan menu
Customer picks the product they need.
- Step 3
Eligibility and documents
Rates, eligibility and the document checklist sent instantly.
- Step 4
Lead to loan officer
Details captured and assigned to an officer in the CRM.
- Step 5
EMI reminders
Reminders before the due date with a payment link.
- Step 6
Renewals and new products
FD maturity, insurance renewal and festive loan offers to opted-in customers.
EMI reminders cost less as utility templates
Cost of sending 1,000 messages through Meta.
Meta rates excluding 18% GST. A message with an offer or promotion is always marketing; Meta decides the category.
Fewer overdues, more loyal members
Product menus that explain themselves
Customers understand loan and deposit products before visiting, so branch visits are shorter.
Every enquiry assigned
Leads go to the right officer with details already captured. No enquiry is forgotten.
KYC and documents on WhatsApp
Customers send documents from home; staff verify from one inbox.
Simple plans for every bank and society
Start free for 7 days. Pay yearly and get about 2 months free plus all add-ons.
Starter
For credit societies and small advisors
- Unlimited contacts
- 30,000 campaign contacts / month
- 3 team members
- WhatsApp team inbox
- Auto-replies and bot flows
- QR code and lead links
Growth
For co-operative banks and NBFC branches
- 1,00,000 campaign contacts / month
- 10 team members
- WhatsApp + Instagram inbox
- Member CRM, tags and lists
- Enquiry forms and branch visit booking
- Drip follow-ups and AI assistant
Pro
For banks and NBFCs with many branches
- Unlimited campaign contacts
- 15 team members
- AI chatbot with knowledge base
- AI calling
- Payment links and catalog of products
- Everything in Growth
Enterprise
For multi-branch banks and finance groups
- Unlimited team members
- Bulk AI calling
- Advanced CRM and automation
- Advanced analytics
- Priority support
- Everything in Pro
All prices in Indian Rupees (INR), excluding 18% GST. WhatsApp message charges by Meta are separate. 7-day free trial on every plan, no card needed.
Common questions
Is customer data secure?
Messages go through the official WhatsApp Business API from Meta with encryption in transit. Only authorised staff can see the inbox, and each team member has a separate login.
Can reminders come from our core banking software?
Yes. EMI reminders, receipts and maturity alerts can be triggered from your software through API and webhooks on the Growth plan and above.
Can each branch have its own team?
Yes. Use team members, tags and assignment rules so each branch handles its own members.
Do members need to opt in?
Yes. Take WhatsApp consent at account opening, in a form or through a QR code at the branch. Members can reply STOP at any time.
Does Finance by Wamojo give loans or advice?
No. Finance by Wamojo is a messaging software tool. Your institution decides its own products, rates and terms; we only help you communicate them.
Do we need a new WhatsApp number?
A number connected to the WhatsApp Business API cannot be used in the regular WhatsApp app at the same time, so we recommend a new or virtual number. Our team helps with the full setup.
What are WhatsApp message charges?
Meta charges per delivered message: ₹0.18 for utility messages such as EMI reminders and receipts, and ₹0.8631 for marketing messages such as festive offers, plus 18% GST. These are separate from your plan.
How do I pay?
Pay securely online through Razorpay using UPI, debit or credit card, net banking or wallets. You receive a GST invoice for every payment.
See Finance by Wamojo working for your institution
Share a few details and we will show you a live demo with your own loan and deposit products, at your branch in Kopargaon or online.