WhatsApp Templates · Chit Funds & Co-operative Societies
WhatsApp message templates for chit funds and societies
A chit fund or co-operative society usually runs six templates, five utility and one marketing. Utility covers the monthly contribution reminder, auction intimation, prize payout confirmation, dividend or interest credit and the general body meeting notice; the marketing slot handles enrolment of new members. Most members run on a monthly cycle they are already committed to.
Collections slip when members forget the due date, and auction terms get misremembered. WhatsApp sends the same reminder to everyone in a cycle and keeps a record of what was told to whom. A member-initiated message opens a 24-hour window; notices the office starts after it need an approved template.
Monthly Contribution Reminder
UtilitySend it when: Before the contribution due date for a member's active chit or deposit.
Reminder: your {{1}} contribution of {{2}} is due on {{3}}. Reply with the payment reference once paid.Auction Intimation
UtilitySend it when: When the next auction date for a chit group is fixed and members should attend.
The auction for chit group {{1}} is on {{2}}. Members who wish to bid should attend or authorise a representative.Prize Payout Confirmation
UtilitySend it when: After a prized member's payout has been processed.
Your prize amount of {{1}} for group {{2}} has been credited on {{3}}. Check and confirm receipt here.Dividend Credit Update
UtilitySend it when: When interest or dividend is credited to a member account.
A dividend of {{1}} has been credited to your member account {{2}} for the period {{3}}.General Body Meeting Notice
UtilitySend it when: Ahead of a scheduled general body or committee meeting.
The general body meeting is on {{1}} at {{2}}. Agenda: {{3}}. Members are requested to attend.New Membership Drive
MarketingSend it when: To the wider community when a new chit group or deposit scheme opens.
{{1}}, our new {{2}} group opens this month. Reply for the terms and the monthly amount if you would like to join.How the category changes what you pay
- Every template is submitted under one category, and Meta assigns the final one in review. A utility template that reads like a promotion can be reclassified as marketing, which changes both the rate and the opt-in requirement.
- Since 1 October 2026, service messages are charged per delivered message after the first 1,000 free service messages per business phone number per month. The allowance does not roll over and there are no volume tiers.
- Inbound messages are free, and a customer-initiated message opens the 24-hour customer service window. Anything you start outside that window needs an approved template.
Chit Funds & Co-operative Societies on WhatsApp: common questions
Templates for other industries
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