Labuan
WhatsApp Business API for Indian firms serving Labuan's financial centre
Labuan FSA counts more than 5,300 operating companies and 800 licensed entities from over 120 countries. Their annual returns, renewals and audits generate questions, and one WhatsApp number in India can sort them by desk.
A Labuan business
- Hello from Labuan. The captive's renewal papers are signed. Can your Mumbai desk confirm the premium schedule today?
- Received, thank you. The insurance desk will confirm by 15:00 Labuan time, 12:30 in Mumbai.
- Thanks. Our Labuan company's annual return is also due. Who handles that?
- I've passed this to our company-secretarial desk. Anita will reply in this chat shortly.
For Indian brokers, accountants, company secretaries and IT providers whose clients are Labuan IBFC banks, captives, digital financial firms and Labuan companies: how one WhatsApp number can route each client's question to the right desk in India, which templates to use, and what a +60 message costs in rupees.
See it work
One number, four desks in India
An Indian firm serves Labuan entities from one WhatsApp number. Switch the strategy and watch the morning's chats find a company secretary, the insurance desk, tax or the duty manager.
A Labuan client rarely has one question. The same captive manager who asks about a renewal schedule in the morning wants the annual return checked in the afternoon, and each question belongs to a different person in your office.
Ask the topic up front with a short InfiQ Flows menu, then let the shared team inbox carry the thread to the right desk, with private notes so nobody asks the client twice.
Routing a Labuan client's chats to the right desk
Only agents with the required skill are eligible; the least busy of them wins.
Incoming · 0 left
- All 6 conversations have been routed.
Conversation 6 of 6 · Skills-based
Copy of last month's invoicegoes toCompany-secretarial desk
No skill needed, so the least-busy agent, Company-secretarial desk, takes it.
Company-secretarial desk
2 of 3 open
- secretarial
- Annual return: documents attachedneeds secretarial
- Copy of last month's invoice
- Full
Insurance desk
2 of 2 open
- insurance
- Captive renewal scheduleneeds insurance
- Reinsurance slip questionneeds insurance
Tax and accounts
1 of 2 open
- tax
- Audited accounts for the trading regimeneeds tax
- Full
Duty manager
1 of 1 open
- secretarial
- insurance
- tax
- Change of directorneeds secretarial
Waiting · 0
- Nobody waiting: every conversation found an agent.
| Strategy | Routed | Waiting | Skill mismatches |
|---|---|---|---|
| Skills-based | 6 | 0 | 0 |
| Least busy | 6 | 0 | 1 |
| Round-robin | 6 | 0 | 1 |
| Sticky | 6 | 0 | 3 |
Conversation 6 of 6, Copy of last month's invoice: No skill needed, so the least-busy agent, Company-secretarial desk, takes it.
Market brief
Labuan IBFC in seven lines
From Labuan FSA and the centre's own 35th-anniversary overview, published September 2025.
- 01
Labuan was declared an international offshore financial centre on 1 October 1990 through five Acts passed by Malaysia's Parliament; the regulator, now Labuan FSA, was set up in 1996.[2]
- 02
Labuan FSA counts more than 5,300 operating companies and more than 800 licensed entities, from over 120 countries.[1]
- 03
The centre contributes 53% of Labuan island's GDP and is its largest employer.[2]
- 04
Banking is its largest sector; it is also home to more than 200 (re)insurers and insurance intermediaries.[2]
- 05
It calls itself Asia's second-largest captive insurance hub, with 71 licensed captives, including 31 cells, underwriting US$677.4 million of premiums in 2024.[2]
- 06
Labuan trading activity is taxed at 3% of net audited profit and non-trading activity at 0%, subject to economic substance requirements.[2]
- 07
Its key sectors include captive insurance, digital financial services, Islamic finance and wealth management, and a China Desk opened in 2024.[3],[2]
Industries
Labuan clients, and the Indian desks that serve them
The centre's own segments, each with the kind of Indian firm likely to be writing to it.
- 01
Captives and (re)insurers
Over 200 (re)insurers and intermediaries and 71 captives; brokers and actuarial teams in India keep renewals and claims moving.[2]
On WhatsApp: Renewal schedule reminders · Claim document checklists · Slip and cover-note updates
- 02
- 03
Digital financial services
Digital financial institutions, service providers and platforms form the centre's digital pillar; an Indian IT provider building or supporting one keeps its operations staff informed.[2]
On WhatsApp: Incident and maintenance notices · Release sign-off reminders · Escalations in the team inbox
- 04
Banks and commodity traders
Banking is the largest sector, and a commodity-trading programme was launched in 2011; accounts and treasury teams answer their questions.[2]
On WhatsApp: Statement and confirmation notices · Audit document requests · Payment-received alerts
English for the centre, Malay and Chinese where clients use them
Meta approves each template once per language. Labuan's financial clients mostly work in English, but not all of them.
Replies inside the 24-hour window can be in any language your desks write. InfiQ's own support team works in English and Hindi.
| Language | Meta code | Use it for |
|---|---|---|
| English (Malaysia) | en_MY | Licensed entities, managers and most filings |
| Malay | ms | Malaysian clients and staff who prefer the national language |
| Chinese (CHN) | zh_CN | Clients who read Simplified Chinese |
Prices in ₹ and MYR
What a message to a Labuan client costs
Malaysian numbers are charged at Malaysia's rate: ₹1.23 for a utility template such as a filing reminder, ₹7.56 for marketing, ₹1.23 for a passcode and ₹1.23 per service reply, in rupees before GST, on top of a plan from ₹999 a month.
Snapshot rates · as of 20 Oct 2026, 00:02 UTC
Lite
₹999 / month≈ RM 42.96 MYR
₹833 / month, billed yearly≈ RM 35.83 MYR
Growth
₹2,999 / month≈ RM 128.98 MYR
₹2,499 / month, billed yearly≈ RM 107.48 MYR
Enterprise
Custom volume pricing, custom SLA and dedicated infrastructure.
Per message to Labuan · Malaysia
| Category | ₹ INR | MYR |
|---|---|---|
| Marketing | ₹7.5644 | RM 0.325 |
| Utility | ₹1.2314 | RM 0.0530 |
| Authentication | ₹1.2314 | RM 0.0530 |
| Service | ₹1.2314 | RM 0.0530 |
Per-message rates for all 47 markets, in ₹ and MYR
| Market | Marketing | Utility | Authentication | Service |
|---|---|---|---|---|
| Argentina | RM 0.234₹5.4352 | RM 0.0984₹2.2874 | RM 0.0984₹2.2874 | RM 0.0984₹2.2874 |
| Bangladesh | RM 0.277₹6.4397 | RM 0.0140₹0.3254 | RM 0.0140₹0.3254 | RM 0.0140₹0.3254 |
| Brazil | RM 0.236₹5.4970 | RM 0.0257₹0.5981 | RM 0.0257₹0.5981 | RM 0.0257₹0.5981 |
| Chile | RM 0.336₹7.8162 | RM 0.0756₹1.7585 | RM 0.0756₹1.7585 | RM 0.0756₹1.7585 |
| Colombia | RM 0.0473₹1.0993 | RM 0.0030₹0.0706 | RM 0.0030₹0.0706 | RM 0.0030₹0.0706 |
| Egypt | RM 0.244₹5.6629 | RM 0.0136₹0.3167 | RM 0.0136₹0.3167 | RM 0.0136₹0.3167 |
| France | RM 0.325₹7.5588 | RM 0.114₹2.6393 | RM 0.114₹2.6393 | RM 0.114₹2.6393 |
| Germany | RM 0.516₹12.0088 | RM 0.208₹4.8386 | RM 0.208₹4.8386 | RM 0.208₹4.8386 |
| Hong Kong | RM 0.277₹6.4397 | RM 0.0983₹2.2867 | RM 0.0983₹2.2867 | RM 0.0983₹2.2867 |
| Hungary | RM 0.325₹7.5596 | RM 0.132₹3.0700 | RM 0.132₹3.0700 | RM 0.132₹3.0700 |
| India | RM 0.0406₹0.9435 | RM 0.0083₹0.1941 | RM 0.0060₹0.1402 | RM 0.0062₹0.1450 |
| Indonesia | RM 0.155₹3.6133 | RM 0.0945₹2.1979 | RM 0.0945₹2.1979 | RM 0.0945₹2.1979 |
| Iraq | RM 0.129₹2.9992 | RM 0.0299₹0.6943 | RM 0.0299₹0.6943 | RM 0.0299₹0.6943 |
| Israel | RM 0.134₹3.1045 | RM 0.0201₹0.4662 | RM 0.0201₹0.4662 | RM 0.0201₹0.4662 |
| Italy | RM 0.300₹6.9847 | RM 0.113₹2.6369 | RM 0.113₹2.6369 | RM 0.113₹2.6369 |
| Kazakhstan | RM 0.228₹5.3098 | RM 0.0681₹1.5824 | RM 0.0681₹1.5824 | RM 0.0681₹1.5824 |
| Kuwait | RM 0.300₹6.9671 | RM 0.166₹3.8671 | RM 0.166₹3.8671 | RM 0.166₹3.8671 |
| Malaysia | RM 0.325₹7.5644 | RM 0.0530₹1.2314 | RM 0.0530₹1.2314 | RM 0.0530₹1.2314 |
| Mexico | RM 0.150₹3.4877 | RM 0.0321₹0.7471 | RM 0.0321₹0.7471 | RM 0.0321₹0.7471 |
| Morocco | RM 0.157₹3.6425 | RM 0.0870₹2.0218 | RM 0.0870₹2.0218 | RM 0.0870₹2.0218 |
| Netherlands | RM 0.604₹14.0494 | RM 0.189₹4.3987 | RM 0.189₹4.3987 | RM 0.189₹4.3987 |
| Nepal | RM 0.277₹6.4397 | RM 0.0129₹0.2990 | RM 0.0129₹0.2990 | RM 0.0129₹0.2990 |
| Nigeria | RM 0.195₹4.5421 | RM 0.0254₹0.5898 | RM 0.0254₹0.5898 | RM 0.0254₹0.5898 |
| Oman | RM 0.129₹2.9992 | RM 0.0934₹2.1709 | RM 0.0934₹2.1709 | RM 0.0934₹2.1709 |
| Pakistan | RM 0.179₹4.1620 | RM 0.0568₹1.3200 | RM 0.0568₹1.3200 | RM 0.0568₹1.3200 |
| Peru | RM 0.266₹6.1843 | RM 0.114₹2.6392 | RM 0.114₹2.6392 | RM 0.114₹2.6392 |
| Poland | RM 0.138₹3.2105 | RM 0.0460₹1.0702 | RM 0.0460₹1.0702 | RM 0.0460₹1.0702 |
| Qatar | RM 0.129₹2.9992 | RM 0.0454₹1.0547 | RM 0.0454₹1.0547 | RM 0.0454₹1.0547 |
| Romania | RM 0.325₹7.5596 | RM 0.109₹2.5436 | RM 0.109₹2.5436 | RM 0.109₹2.5436 |
| Russia | RM 0.303₹7.0520 | RM 0.151₹3.5173 | RM 0.151₹3.5173 | RM 0.151₹3.5173 |
| Saudi Arabia | RM 0.217₹5.0537 | RM 0.0404₹0.9401 | RM 0.0404₹0.9401 | RM 0.0404₹0.9401 |
| Singapore | RM 0.277₹6.4397 | RM 0.0605₹1.4072 | RM 0.0605₹1.4072 | RM 0.0605₹1.4072 |
| South Africa | RM 0.144₹3.3385 | RM 0.0360₹0.8369 | RM 0.0360₹0.8369 | RM 0.0360₹0.8369 |
| Spain | RM 0.267₹6.2161 | RM 0.0756₹1.7578 | RM 0.0756₹1.7578 | RM 0.0756₹1.7578 |
| Sri Lanka | RM 0.277₹6.4397 | RM 0.0076₹0.1759 | RM 0.0076₹0.1759 | RM 0.0076₹0.1759 |
| Turkey | RM 0.0412₹0.9587 | RM 0.0034₹0.0792 | RM 0.0034₹0.0792 | RM 0.0034₹0.0792 |
| Ukraine | RM 0.325₹7.5596 | RM 0.112₹2.6138 | RM 0.112₹2.6138 | RM 0.112₹2.6138 |
| United Arab Emirates | RM 0.217₹5.0537 | RM 0.0594₹1.3811 | RM 0.0594₹1.3811 | RM 0.0594₹1.3811 |
| United Kingdom | RM 0.240₹5.5795 | RM 0.0832₹1.9346 | RM 0.0832₹1.9346 | RM 0.0832₹1.9346 |
| North America | RM 0.0945₹2.1976 | RM 0.0129₹0.2989 | RM 0.0129₹0.2989 | RM 0.0129₹0.2989 |
| Rest of Africa | RM 0.0851₹1.9796 | RM 0.0151₹0.3516 | RM 0.0151₹0.3516 | RM 0.0151₹0.3516 |
| Rest of Asia Pacific | RM 0.319₹7.4057 | RM 0.0427₹0.9938 | RM 0.0427₹0.9938 | RM 0.0427₹0.9938 |
| Rest of Central & Eastern Europe | RM 0.325₹7.5596 | RM 0.0800₹1.8595 | RM 0.0800₹1.8595 | RM 0.0800₹1.8595 |
| Rest of Latin America | RM 0.280₹6.5048 | RM 0.0427₹0.9934 | RM 0.0427₹0.9934 | RM 0.0427₹0.9934 |
| Rest of Middle East | RM 0.148₹3.4490 | RM 0.0344₹0.7998 | RM 0.0344₹0.7998 | RM 0.0344₹0.7998 |
| Rest of Western Europe | RM 0.224₹5.2054 | RM 0.0646₹1.5019 | RM 0.0646₹1.5019 | RM 0.0646₹1.5019 |
| Other | RM 0.228₹5.3098 | RM 0.0291₹0.6769 | RM 0.0291₹0.6769 | RM 0.0291₹0.6769 |
Plan prices are monthly, in rupees, excluding GST; yearly billing is two months free. Messages are charged per delivered message on top of the plan, at the rate for the recipient’s country. Full details: InfiQ pricing. A Labuan entity's director on an Indian +91 number is charged at the India rate, ₹0.19 for the same reminder. Ringgit figures in the converter are indicative; InfiQ invoices in rupees.
Work out your own monthly cost by message type.
Calculate your exact costOn InfiQ
What an Indian firm runs for Labuan clients
Routing, records and the answers a regulated client will ask for.
- InfiQ Flows chatbot builder
A no-code builder for automated conversations (27 blocks, versioned publishing with rollback), priced per flow; the Growth plan includes one.
A short menu asks whether the question is about a filing, a policy or the accounts before a person picks it up.
- Shared team inbox
One WhatsApp number answered by a team: 10 users on Lite and 25 on Growth, agent and manager roles, transfers, private notes, labels and canned replies.
Company secretaries, the insurance desk and accounts work one number, with transfers and private notes on each client's thread.
- Customer data hosted in India
InfiQ processes customer data in data centres located in India; website telemetry vendors are listed separately in the subprocessor list.
A licensed Labuan client will ask where its contacts' data is processed. The answer is in writing: data centres in India.
- Account security controls
TLS 1.2+ in transit and AES-256 at rest, role-based access, two-factor sign-in, scoped API keys with IP allow-lists, and hash-chained audit logs.
Role-based access, two-factor sign-in and hash-chained audit logs, which a regulated client's own due diligence will want to see.
Nearby
City pages near Labuan
The nearest city guides on this site, in Malaysia and across the region.
The amended PDPA, Malay templates and the Malaysia rate apply on Labuan as on the peninsula; the Malaysia guide covers them in full.
Guides for Labuan teams
Questions Labuan businesses ask
- Our Mumbai desk services captives domiciled in Labuan. Can renewal reminders go to the captive managers on WhatsApp?
- Yes, as utility templates to managers who agreed to receive them, sent by hand from the inbox or by your policy system through the API. Each costs ₹1.23 per delivered message to a +60 number. Keep offers out of them; a yes to renewal reminders is not a yes to marketing.
- Our firm in Delhi handles filings for clients' Labuan companies. Can the secretarial and tax teams share one WhatsApp number for those clients?
- Yes. The shared team inbox gives 10 users on Lite and 25 on Growth, with agent and manager roles, transfers, labels and private notes. A short InfiQ Flows menu can ask whether a question is about a filing or the accounts, so the right team sees it first.
- A Labuan office opens at 09:00. When does a filing reminder have to leave India to arrive then?
- At 06:30 IST. Labuan keeps Malaysia's UTC+8 all year, two and a half hours ahead of India, and neither country changes its clocks. Schedule the reminder the evening before, and decide who in your office will see the replies before your own day starts.
- A Labuan digital financial services licensee asks where its customers' WhatsApp data is processed. What do we tell it?
- That InfiQ processes customer data in data centres in India, as its subprocessor list sets out. Moving personal data out of Malaysia belongs in the client's own assessment under the amended PDPA; the Malaysia guide explains what changed in 2025.
- Labuan IBFC opened a China Desk in 2024. Can our templates for Chinese-speaking clients be in Chinese?
- Yes. Simplified Chinese (zh_CN) is on Meta's template list, alongside Malay (ms) and English (Malaysia, en_MY). Each language version is approved separately, so start with the language most of your Labuan clients actually write to you in.
- Our group owns a Labuan company and an Indian services company. Which one should hold the InfiQ account?
- InfiQ is built for India-based businesses: it bills in rupees with GST and keeps customer data in India. If the Indian company serves the clients, it can hold the account and message +60 numbers at the Malaysia rate. If your business is based in Labuan, talk to sales about whether InfiQ fits.
Sources
Facts on this page were checked against these sources on the dates shown. Page updated 2026-10-20.
- [1]Labuan FSA: official website (operating companies and licensed entities) · Labuan Financial Services Authority · read 2026-10-20
- [2]35 Years of Excellence (infographic, September 2025) · Labuan IBFC Incorporated · read 2026-10-20
- [3]Labuan IBFC: home page (key sectors) · Labuan IBFC Incorporated · read 2026-10-20
Give your Labuan clients one number that reaches every desk
Start a 7-day Lite trial, no card needed, or book a demo to set up a Flows menu and desk routing for your Labuan clients. If your business is based in Labuan, talk to sales about whether InfiQ fits.
