Bulk SMS for Banks and Financial Services

Q: How do banks and financial institutions use bulk SMS?

Banks, co-operative banks, NBFCs and fintechs use SMS for transaction and debit and credit alerts, OTPs for net and mobile banking, balance and mini-statement requests, EMI and loan-due reminders, KYC reminders, fraud and security alerts and new-product offers. SmsHorizon has powered this kind of messaging since 2011 for 3,000+ businesses across India.

Q: Do transaction alerts and OTPs reach numbers on the DND list?

Yes. Transaction alerts, OTPs, balance updates, EMI reminders and fraud alerts are transactional, so they reach all numbers including those registered on the DND list, around the clock. Only promotional sends, such as new-product offers, are limited to non-DND, opted-in numbers within the TRAI daytime window.

Q: Is your OTP delivery fast and reliable enough for net banking?

Yes. Our HTTP and SMPP APIs use priority transactional routing with sub-3-second OTP delivery and 99.9% uptime, built for the login, payment and 2FA volumes that banks and fintechs push. Every send returns a real-time delivery report.

Q: Can I send banking SMS in regional languages?

Yes. We support full Unicode, so you can send alerts and reminders in Hindi, Tamil, Telugu, Kannada and other regional languages alongside English. Set the message type to Unicode in the panel or pass uni in the API.

Q: Do you help banks and NBFCs with DLT registration?

Yes, free of charge. TRAI requires entity, header and template registration on the DLT portal for all commercial SMS. Our team walks your bank, NBFC or fintech through the entire process and handles the paperwork.

Q: How much does bulk SMS cost for a bank or NBFC?

Bulk SMS is pay-as-you-go: you pay per message and the rate falls as your volume grows, with no setup fee or monthly rental. Transactional, OTP and promotional routes are each priced per SMS, and a longer message counts as more than one SMS. See our pricing page for current rates.

Q: Which mobile networks do you cover?

We deliver across every major network, including Jio, Airtel, Vi and BSNL, over direct operator routes. Transactional and OTP messages reach all numbers, including DND, while promotional sends follow TRAI's DND rules and the 10am to 9pm window, under the TCCCPR and DLT framework.

SMS that customers trust with their money

Banking runs on instant, trusted confirmation. A debit alert, a net-banking OTP or a fraud warning has to land in seconds, on any handset, with no app and no data connection required.

That is exactly where SMS leads: it is the one channel that reaches every account holder across every network, and transaction and OTP traffic is delivered even to numbers on the DND registry.

SmsHorizon has delivered exactly this kind of secure, time-critical messaging since 2011, for 3,000+ businesses across India, in English or any major regional language.

Why banks and financial services choose SmsHorizon

Reaches DND numbers: Transaction alerts, OTPs and fraud warnings are transactional, so they land on every number, including DND.
Sub-3-second OTPs: Priority transactional routing for net-banking, payment and 2FA codes that cannot wait.
Core-banking integration: HTTP and SMPP APIs wire SMS into your core banking, lending or fintech stack.
Regional languages: Send alerts and reminders in Hindi, Tamil, Telugu, Kannada and more with full Unicode.
DLT done for you: Free help with entity, header and template registration on the TRAI DLT portal.
Reliable delivery: 99.9% uptime with real-time delivery reports and webhooks for audit and reconciliation.

Transactional, promotional and OTP SMS for banking

Transactional SMS carries the debit and credit alerts, balance updates, EMI reminders and fraud warnings your customers expect, at the highest priority, day or night, and reaches DND numbers. See transactional SMS.

Promotional SMS reaches your customer base with new-product, deposit and loan offers within TRAI's daytime window. See promotional SMS.

OTP and high-volume alert traffic for net and mobile banking runs through our SMS API. Every route is DLT-compliant and registered with TRAI under the TCCCPR rules, and deliverable across Jio, Airtel, Vi and BSNL.

	Transactional SMS	Promotional SMS
Used for	Transaction and OTP alerts, EMI reminders	New-product, deposit and loan offers
Delivered to	All numbers, including DND	Non-DND and opted-in numbers
Sending hours	24x7	10am to 9pm (TRAI window)
Sender ID	Branded 6-character header	Branded 6-character header

2011

In business since

3,000+

Businesses across India

<3s

Typical OTP delivery

99.9%

Delivery uptime

Use cases

How banks use bulk SMS

From every card swipe to every login, here's how banks, NBFCs and fintechs put SMS to work around the clock.

Transaction & card alerts

Instant debit and credit alerts for every account and card transaction, so customers spot activity at once.

Net & mobile banking OTPs

Sub-3-second OTPs for login, payment authorisation and 2FA across net and mobile banking.

Balance & mini-statement

On-request balance enquiries and mini-statements delivered straight to the customer's handset.

EMI & loan reminders

Loan and EMI due reminders that cut missed payments for retail, vehicle and home-loan portfolios.

KYC reminders

Timely KYC and re-KYC reminders to keep accounts compliant and active.

Fraud & security alerts

Real-time fraud and suspicious-activity alerts that reach every customer, including those on DND.

Platform

Why SmsHorizon for banking

A complete bulk SMS platform for banks, NBFCs and fintechs, from branded sender IDs and regional languages to the panel, API and DLT templates.

Branded sender IDs

Regional & Unicode

Reach account holders in their language with full Unicode, set type to Unicode or pass uni in the API.

Panel & API

Send from a simple web panel or wire the HTTP and SMPP API into your core banking or fintech stack.

Scheduling

Queue statement, EMI and KYC reminders for the right day and time.

Delivery reports

Live delivery receipts for every message, with downloadable reports and webhooks for reconciliation.

Contact management

Upload and group customers by branch, product or portfolio, with opt-out handling built in.

Two-way & long code

Receive balance and statement requests and run keyword services on a virtual long number.

DLT templates

Reusable, approved templates for transaction alerts, OTPs, reminders and offers.

FAQs

Bulk SMS for banking, common questions

How do banks and financial institutions use bulk SMS?

Banks, co-operative banks, NBFCs and fintechs use SMS for transaction and debit and credit alerts, OTPs for net and mobile banking, balance and mini-statement requests, EMI and loan-due reminders, KYC reminders, fraud and security alerts and new-product offers. SmsHorizon has powered this kind of messaging since 2011 for 3,000+ businesses across India.

Do transaction alerts and OTPs reach numbers on the DND list?

Yes. Transaction alerts, OTPs, balance updates, EMI reminders and fraud alerts are transactional, so they reach all numbers including those registered on the DND list, around the clock. Only promotional sends, such as new-product offers, are limited to non-DND, opted-in numbers within the TRAI daytime window.

Is your OTP delivery fast and reliable enough for net banking?

Yes. Our HTTP and SMPP APIs use priority transactional routing with sub-3-second OTP delivery and 99.9% uptime, built for the login, payment and 2FA volumes that banks and fintechs push. Every send returns a real-time delivery report. See the SMS API page for details.

Can I send banking SMS in regional languages?

Yes. We support full Unicode, so you can send alerts and reminders in Hindi, Tamil, Telugu, Kannada and other regional languages alongside English. Set the message type to Unicode in the panel or pass uni in the API.

Do you help banks and NBFCs with DLT registration?

Yes, free of charge. TRAI requires entity, header and template registration on the DLT portal for all commercial SMS. Our team walks your bank, NBFC or fintech through the entire process and handles the paperwork.

How much does bulk SMS cost for a bank or NBFC?

Bulk SMS is pay-as-you-go: you pay per message and the rate falls as your volume grows, with no setup fee or monthly rental. Transactional, OTP and promotional routes are each priced per SMS, and a longer message counts as more than one SMS. See our pricing page for current rates.

Which mobile networks do you cover?

We deliver across every major network, including Jio, Airtel, Vi and BSNL, over direct operator routes. Transactional and OTP messages reach all numbers, including DND, while promotional sends follow TRAI's DND rules and the 10am to 9pm window, under the TCCCPR and DLT framework.

Across India