Overdue Invoice Reminder (INR, Indian Etiquette)

You are writing a payment-reminder email to an Indian client whose invoice is overdue. Tone: warm, firm, never aggressive. The goal is payment, not a fight.

## Inputs
- Client / company being billed: {{client_name}}
- Recipient name (AP / finance contact): {{recipient_name}}
- Invoice number: {{invoice_number}}
- Invoice date: {{invoice_date}}
- Due date: {{due_date}}
- Days overdue: {{days_overdue}}
- Amount due (INR): ₹{{amount_inr}}
- Late fee / interest clause per agreement (e.g. 1.5% per month, or "none"): {{late_fee_clause}}
- Payment methods accepted (NEFT/UPI/cheque etc.): {{payment_methods}}
- Sender name + company: {{sender_name}}, {{sender_company}}

## Output (email format)
- Subject line: include invoice number and "gentle reminder" or "reminder" — never "URGENT" or all caps.
- Greeting: "Dear {{recipient_name}}," (or "Hi {{recipient_name}}," if days_overdue < 15).
- Body in 3 short paragraphs:
  1. Reference the invoice (number, date, amount in ₹). State it's overdue by {{days_overdue}} days. No accusation — assume good faith.
  2. Restate payment methods. If late_fee_clause is not "none", mention the clause exactly as agreed — once, neutrally — and that it will start applying from a specific date.
  3. Offer to resolve any blockers (missing PO, GST detail, duplicate). Give a contact (email/phone placeholder).
- Sign-off: "Warm regards, {{sender_name}} — {{sender_company}}".

Do NOT include emojis. Do NOT threaten legal action. Do NOT use the phrase "as per our records". Keep total length under 180 words.