Official WhatsApp APIScale Lending Across Branches with WhatsApp Automation
NBFCs lend through branches and field officers spread across cities, towns, and villages, and borrower communication often lives on individual phones. Chakra Chat puts it on one platform: leads routed to the nearest branch, loan-system-triggered EMI messages, and a mobile inbox for every field officer.
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Businesses love growing on WhatsApp with Chakra Chat
See why teams trust Chakra Chat for WhatsApp API, campaigns and support, in their own words.
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Lending Operations, Connected on WhatsApp
For gold loan, vehicle finance, MSME, and microfinance NBFCs with branch and field networks.
Field Officers with the Full Picture
- Borrower History on Mobile - Field officers see each borrower's full chat history and loan stage on the mobile app.
- Company Number, Not Personal Phones - Officers follow up with assigned borrowers from their phones, on the company's number.
- Logged WhatsApp Calls - Officers call borrowers from the app with WhatsApp Calling, with calls logged for supervisors.
EMI Messages Straight from Your Loan System
- LOS & LMS Triggers - Sanction, disbursement, EMI due, and payment received messages fire from your LOS and LMS through APIs and webhooks.
- EMI Reminders with Pay Links - EMI reminders include a payment link and are sent before every due date.
- Respectful Overdue Follow-ups - Overdue accounts get courteous follow-ups and are escalated to collections when needed.
Every Lead Reaches the Nearest Branch
- Pin-Code Branch Routing - A chatbot asks about loan type, amount, and pin code, then routes the lead to the nearest branch.
- Branch Inbox Groups - Each branch or region has its own inbox group with access controls.
- Source-Tagged Leads - Leads from ads, forms, and walk-ins are tracked by source.
Documentation Without Branch Visits
- KYC Checklist & Uploads - Borrowers receive a clear checklist and upload KYC documents in the chat.
- Pending-Document Nudges - Missing documents trigger automatic reminders.
- OTP Verification - Borrowers are verified with an authentication OTP before loan details are shared.
Servicing and Repeat Loans
- AI Loan Servicing - An AI agent answers balance, statement, and branch-timing questions, with handover to staff.
- Top-Up Offers - Eligible borrowers with good repayment records receive top-up and repeat loan offers.
- Regional-Language Messaging - Messages can be sent in regional languages to match each borrower.
What NBFCs Gain
No Data on Personal Phones
Borrower conversations stay on the company's platform.
On-Time Repayments
Loan-system triggers keep borrowers informed automatically.
Faster Lead Response
Leads reach the right branch instantly.
Shorter Turnaround Times
Documents are collected without extra branch visits.
Field Visibility
Supervisors see every officer's calls and chats.
More Repeat Loans
Good borrowers come back for top-ups.
Trusted by 1000+ businesses
Built for scale. Proven across industries. Trusted by thousands.
Trusted by businesses across 65+ countries — from startup founders to enterprise teams — Chakra Chat is the platform behind every WhatsApp-first customer engagement strategy.
- 3000+
- Customers
- 85+
- Countries
- 300M+
- Messages Sent
- 3M+
- Chatbot Sessions
- 2M+
- AI Responses
Every session, every reply, every automated flow — quietly working in the background, so your business never misses a moment that matters.
Few words of ❤️ from our customers
Get Started With WhatsApp API in few Steps
No technical setup, no long onboarding. Be live on WhatsApp API and sending messages in under 15 minutes.
Chakra Chat Sign Up
Create a Chakra Chat Account
Connect WABA Number
Embedded Signup to connect WABA & Number
Chakra Chat Subscription
Subscribe to Chakra Subscription plan
Start Engaging Customers
Start conversations, template message broadcasts
Set up Advanced Features
Setup Auto reply bot, AI agents, WhatsApp Calling
Setup Metrics & Reports
Track Campaign Delivery, Chat Response Time