Content Template

Guidelines

It would be perfect if you perused the manual before starting your journey to accomplish
distinct duties in the implementation.
 Transactional
Any message which contains OTP and requires to complete a banking transaction
initiated by bank customer will only considered as transactional. This is applicable to
all banks (national/scheduled/private/govt and even MNC’s).

Illustration

Æ OTP message required for completing a net-banking transaction.

Æ OTP message required for completing credit/debit card transaction at a merchant

location.

Ex:

TRHDFC (or)
DCBmsg
824926 is the otp for trxn of SMS Header
inr 57.75 at zaak epayment
services pv with your sbi card
xx3931. otp is valid for 10
mins. pls do not share with
anyone Actual Message

Actual Message Required Template Format

824926 is the otp for trxn of inr 57.75 at zaak epay- {#var#} is the otp for trxn of inr {#var#} at {#var#}
ment services pv with your sbi card xx3931. otp is with your sbi card{#var#}. otp is valid for {#var#}. pls
valid for 10 mins. pls do not share with anyone do not share with anyone

032456 is your OTP for fund transfer for amount {#var#} is your OTP for fund transfer for amount
Rs.3,000 to Ravi. OTP valid for 8 minutes. Do not {#var#} to {#var#}. OTP valid for 8 minutes. Do not
share this OTP with anyone. share this OTP with anyone.

428684 is OTP for your eComm Txn for amount {#var#} is OTP for your eComm Txn for amount
Rs.15,000 OTP valid for 8 minutes. Do not share this {#var#} OTP valid for 8 minutes. Do not share this
OTP with anyone. OTP with anyone

369147 is OTP for your premium payment for {#var#} is OTP for your premium payment for
amount Rs.34,000. OTP valid for 8 minutes. Do not amount {#var#}. OTP valid for 8 minutes. Do not
share this OTP with anyone. share this OTP with anyone.

852456 is your OTP for BillDesk Payment in NetBank- {#var#} is your OTP for BillDesk Payment in NetBank-
ing.OTP valid for 8 minutes. ing.OTP valid for 8 minutes.

2/8 A product of
 Service Implicit
Any message arising out of customers action or his existing relationship with the
enterprise, that is not promotional will be considered as Service-Implicit message.

Illustration

Æ Confirmation messages of a Net-banking and credit/debit card transactions.

Æ Product purchase confirmation, delivery status etc. from e-comm websites.

Æ Customer making payments through Payment Wallet over E-Commerce website /

mobile app and an OTP is sent to complete the transaction.

Æ OTP’s required for e-comm website, app login’s, social media apps, authentica-
tion/verification links, securities trading, demat account operations, KYC, e-wallet
registration, etc.

Æ Messages from TSP/ISP.

Æ Periodic balance info, bill generation, bill dispatch, due date reminders, recharge
confirmation (DTH, cable, prepaid electricity recharge, etc)

Æ Delivery notifications, updates and periodic upgrades.

Æ Messages from retail stores related to bill, warranty.

Æ Messages from schools-attendance/transport alerts.

Æ Messages from hospitals/clinics/pharmacies/radiologists/pathologists about

registration, appointment, discharge, reports.

Æ Confirmatory messages from app-based services.

Æ Govt/DOT/TRAI mandated messages.

Æ Service updates from car workshops, repair shops, gadgets service centers.

Æ Directory services like Justdial, yellow pages.

Æ Day-end/month-end settlement alerts to securities/demat account holders.

Ex:

AIBANK (or)
AFinsv
Thank you for using EMI SMS Header
Facility on your IDBI Bank
Credit Card 4***3495 EMI
request for Rs. 25000.00
executed on 01/07/201
Actual Message

3/8 A product of
 Actual Message Required Template Format

Thank you for using EMI Facility on your IDBI Bank Thank you for using EMI Facility on your IDBI Bank
Credit Card 4***3495 EMI request for Rs. 25000.00 Credit Card {#var#} EMI request for {#var#} executed
executed on 01/07/2019 on {#var#}

YES BANK - Your new bill for BESCOM Bangalore -

YES BANK - Your new bill for {#var#} - account
account 0842948000 for Rs 4339.00 could not get
{#var#} for Rs {#var#} could not get scheduled be-
scheduled because auto pay limit is less than the bill
cause auto pay limit is less than the bill amount.
amount.

account: 674508 is your samsung account verifica- account: {#var#} is your samsung account verifica-
tion code. tion code.

transaction alert: 49.0 was used from your flip- transaction alert: {#var#} was used from your
kart gift card 6000172013334850 for order {#var#} gift card {#var#} for order {#var#} on flip-
od117666705985700000 on flipkart.balance remain- kart.balance remaining in the card: {#var#}.if you
ing in the card: 0.0.if you dont recognise this trans- dont recognise this transaction, please reach out to
action, please reach out to http://fkrt.it/q0rbconnnn {#var#} immediately.
immediately.

Kindly note that the free look period for your insur-
Kindly note that the free look period for your insur-
ance cancellation is {#var#} from date of receipt of
ance cancellation is 15 days from date of receipt of
insurance policy. Regards, Bajaj Finance Ltd.
insurance policy. Regards, Bajaj Finance Ltd.

dear k, otp is 2568 for order id #101794788 at daily- dear {#var#}, otp is {#var#} for order id {#var#} at
orders phone case maker mobile app, kindly enter it dailyorders phone case maker mobile app, kindly
to confirm your order. thank you! enter it to confirm your order. thank you!

Service Explicit
These are the messages which requires explicit consent from customer, that has been
verified directly from the recipient in robust and verifiable manner and recorded
by consent registrar. Any service message which doesn’t fall under service-implicit
category.

Note: Additionally, customer consent template needs to be linked to content tem-

plates in service explicit category.

Illustration

Æ Messages to the existing customers recommending or promoting their other

products or services.

4/8 A product of
 Ex:

NUTUKI (or)
PRizem
Your Rs.500 exclusive SMS Header
voucher is UNUSED!!
Redeem it on purchase of
Rs.1,000 at Marks & Spen-
cer. Use code 654321001
Valid till 31st Mar 2020! Actual Message
T&C.

Actual Message Required Template Format

Your Rs.500 exclusive voucher is UNUSED!! Redeem Your Rs.{#var#} exclusive voucher is UNUSED!!
it on purchase of Rs.1,000 at Marks & Spencer. Use Redeem it on purchase of Rs.{#var#} at Marks &
code 654321001 Valid till 31st Mar 2020! T&C. Spencer. Use code {#var#} Valid till {#var#}! T&C.

swedish massage 60min(1): 1355.93,aroma massage swedish massage {#var#},aroma massage {#var#},s.
60min(1): 1525.42,s.total(2): 2881.35, total{#var#},

Hi, In order to best serve you and others, could you Hi, In order to best serve you and others, could you
click on mosl.co/ywq8FBJpAn to share your meeting click on {#var#} to share your meeting experience
experience with Motilal Oswal RM Raju Saha on 22 with {#var#}

Bajaj Finserv Personal Loan needs Minimal Docu- Bajaj Finserv Personal Loan needs Minimal Docu-
mentation. Fulfil your financial needs in one click mentation. Fulfil your financial needs in one click
http://m.BajFin.in/Iphr8tFE .T&C {#var#}.

5/8 A product of
 Promotional
Any message with an intention to promote or sell a product, goods or service.
Service content mixed with promotional content is also treated as promotional.
These messages will be sent to customers after performing the preference and
consent scrubbing function.

Note: Additionally, customer consent template needs to be linked to content tem-

plates in service explicit category.

Illustration

Ex:

123890 (or)
154987
Lifetime Free ICICI Bank Cred- SMS Header
it Card with Vouchers from
LensKart, Pepperfry, Grabon
worth Rs.3000. SMS “apply”
to 5676766 TnC apply
Actual Message

Actual Message Required Template Format

Lifetime Free ICICI Bank Credit Card with Vouchers Lifetime Free ICICI Bank Credit Card with Vouchers
from LensKart, Pepperfry, Grabon worth Rs.3000. from LensKart, Pepperfry, Grabon worth Rs.{#var#}.
SMS “apply” to 5676766 TnC apply SMS “{#var#}” to 5676766. TnC apply

Pay JUST Rs 640* pm & get Rs 83,333 for 120 months Pay JUST Rs {#var#} pm & get Rs {#var#} for {#var#}
or payout of Rs 1,00,00,000 With LIC*(Life Insurance months or payout of Rs {#var#} With LIC (Life Insur-
Cover) For Your Family. http://px2.in/pAD4Tls ance Cover) For Your Family. {#var#}

YOU can win Rs 20,000 in Fantasy cricket use code YOU can win Rs {#var#} in Fantasy cricket use code
542321. Install Qureka Pro app now to WIN Click - {#var#}. Install Qureka Pro app now to WIN Click -
https://abc.com {#var#}

6/8 A product of
 Content Template Validations

Æ 2 or more spaces are not supposed to use between 2 words, before word or after
word.

Æ All special characters (found on keyboard) are allowed, except < and > symbols.

Æ Variable format is {#var#} which is case sensitive.

Æ Or variable can be inserted by clicking the radio button (insert variable) above text
box

Æ Trans/Service category messages should have variable mandatorily.

Æ Promo category can have complete fixed content or with variable part

Æ There is no limitation in no.of variable per message.

Æ Values like amount, date, a/c no, merchant names, OTP, codes, URL, customer
names, card type, etc. needs to be replaced with variables.

Æ In case trying to upload same template, portal would show an error as “Template
Message already registered (Template Name - ****)”

Do’s for Content Template

Æ Use promotional category for communications intended to send from numerical

sender id only.

Æ Transactional category to be used by banking enterprises only & for OTP messages
during fund transfer; online payment; merchant txn only.

Æ Service – explicit category needs to link consent template as well, without which the
template gets rejected.

Æ Choose a relevant/recognizable name for templates

Æ Use message type as “TEXT” for all general messages & “Unicode” for regional
messages.

Æ Variable {#var#} insertion to be required against values like date; amount; a/c no;
OTP; names; etc…

7/8 A product of
 Don’ts for Content Template

Æ Not linking consent templates for content template categories

“promotional” & “service – explicit”.

Æ Same content template against multiple headers.

Æ Header selection against irrelevant templates.

Æ Selecting “Transactional” category by non-banking enterprises.

Æ No or invalid variable format in templates.

Æ Using double spaces in templates (this can be pre-checked by verifying the

template on notepad++ before template submission).

Æ Templates with less than 6 char or variable insertion alone as template.

Æ Do not use external fonts or characters other than those appear on keyboard.

8/8 A product of