RBI Consolidates E-Mandate Rules into Single Framework

Notifications - Reserve Bank of India Skip to main content Selected Selected Change Language हिंदी Search the Website Search Home About Us ▼ About Us Organisation & Functions ▶ Organisation Structure Departments Offices Training Establishment ▶ College of Agricultural Banking Reserve Bank Staff College College of Supervisors RBI's Functions and Working Governors Deputy Governors Executive Directors Communication Policy of RBI Sources of Information ▶ Annual Publications Half-yearly Publications Quarterly Publications Monthly Publications Weekly Publications Occasional Publications SDDS NSDP Data Releases Publications available on Subscription General Information RBI History Museum ▶ The RBI Museum RBI Monetary Museum Notification ▼ Notifications Master Directions Master Circulars Amendment Directions Draft Notifications/Guidelines ▶ Draft Notifications/Guidelines Draft Directions (RE-wise) Index To RBI Circulars Standalone Circulars Circulars Withdrawn Press Releases Speeches & Media Interactions ▼ Speeches Media Interactions Memorial Lectures Podcasts Publications ▼ Biennial Annual Half-Yearly Quarterly Bi-monthly Monthly Weekly Occasional Reports Working Papers Legal Framework ▼ Act Rules Regulations Schemes Research ▼ External Research Schemes RBI Occasional Papers Working Papers RBI Bulletin History DRG Studies KLEMS State Statistics and Finances Statistics ▼ Data Releases Database on Indian Economy Public Debt Statistics Regulatory Reporting ▼ List of Returns Data Definition Validation rules/ Taxonomy List of RBI Reporting Portals FAQs of RBI Reporting Portals Home Notifications Notifications ( 242 kb ) Digital Payments – E-mandate Framework, 2026 RBI/DPSS/2026-27/396 RBI/CO.DPSS.POLC.No.S56/02.14.003/2026-27 April 21, 2026 Index Introduction Short Title and Commencement Applicability Definitions Registration and revocation of E-mandate Processing of First Transaction and Subsequent Recurring Transactions Pre-Transaction Notification Post-Transaction Notification Transaction Limits and Velocity Check Dispute Resolution and Grievance Redressal Other Provisions Repeal Digital Payments – E-mandate Framework, 2026 In exercise of the powers conferred by Sections 10(2) read with Section 18 of the Payment and Settlement Systems (PSS) Act, 2007, the Reserve Bank of India (RBI), being satisfied that it is necessary and expedient in the public interest so to do, hereby consolidates all circulars pertaining to e-mandates and issues the Directions hereinafter specified. 1. Short Title and Commencement (a) These Directions shall be called the “Digital Payments - E-mandate Framework, 2026”. (b) These Directions shall be effective immediately . 2. Applicability The provisions of these Directions shall be applicable to all Payment System Providers and Payment System Participants in respect of processing of recurring transactions, domestic or cross-border, using cards / PPI / UPI. 3. Definitions (a) The terms ‘authentication’, ’factor of authentication’, ‘issuer’, ‘merchant’ will have the same meaning as defined in Reserve Bank of India (Authentication mechanisms for digital payment transactions) Directions, 2025 dated September 25, 2025 and Master Direction on Regulation of Payment Aggregator (PA) dated September 15, 2025 . 4. Registration and revocation of E-Mandate (a) A customer desirous of opting for e-mandate facility shall undertake a one-time registration process. The mandate shall be registered only after successful validation of additional factor of authentication (AFA), in addition to the normal process required by the issuer. (b) Every e-mandate registered by the issuer shall specify the validity period of the e-mandate. The issuer shall provide the customer with a facility to modify the validity period or withdraw the e-mandate at any point of time. Information about this facility shall be clearly communicated to the customer at the time of registration. (c) The e-mandate may be for either a pre-specified fixed amount or for a variable amount subject to the overall cap fixed by the RBI. In the case of variable e-mandates, the issuer shall provide the customer with a facility to specify the maximum value of any recurring transaction. (d) The customer shall be given a facility to choose or change a mode among available options (SMS, email, etc.) for receiving the pre-transaction notification from the issuer. (e) Any modification in, or withdrawal of, an existing e-mandate shall require AFA validation by the issuer. 5. Processing of first transaction and subsequent recurring transactions (a) The first transaction under an e-mandate shall require AFA validation. If the first transaction is processed along with registration of the e-mandate, then AFA validation may be combined. (b) Payments under e-mandates shall not be subject to any other limits / controls set by the customer. 6. Pre-transaction Notification (a) An issuer shall send a pre-transaction notification to the customer, at least 24 hours prior to the actual charge / debit. (b) The pre-transaction notification shall, at the minimum, inform the customer about the merchant’s name, transaction amount, date / time of debit, reference number of e-mandate, reason for debit, i.e., e-mandate registered by the customer. (c) The issuer shall provider a customer with a facility to opt-out of any particular transaction or the e-mandate. Any such opt-out shall be validated by the issuer using AFA. An intimation to this effect shall be sent to the customer. (d) Pre-transaction notification is not required for e-mandates registered to auto-replenish balances of FASTag, and National Common Mobility Card (NCMC). 7. Post-transaction notification An issuer shall send a post-transaction notification to the customer. This notification shall, at the minimum, inform the customer about the merchant’s name, transaction amount, date and time of debit, reference number of transaction and e-mandate, reason for debit, i.e., e-mandate registered by the customer, and details on grievance redressal 1 . 8. Transaction limits and velocity check (a) All recurring transactions may be authorised without AFA up to ₹15,000/- per transaction. Transactions above this amount shall be subject to AFA. (b) Payment of insurance premiums, subscription to mutual funds, and credit card bill payments may be made without AFA up to ₹1,00,000/- per transaction. 9. Dispute resolution and grievance redressal (a) An appropriate dispute redressal system shall be put in place by the issuer to facilitate the customer to lodge grievance/s. (b) RBI instructions on limiting liability of customers for unauthorised transactions shall be applicable to recurring transactions under e-mandates as well. 10. Other provisions (a) No charges shall be levied to the customer for availing the e-mandate facility for recurring transactions. (b) In case of cards, existing e-mandate(s) can be mapped to reissued cards 2 . (c) An acquirer shall ensure compliance with these directions by merchants on-boarded by them. 11. Repeal With the issue of these directions, the instructions/guidelines contained in the following circulars, issued by the Reserve Bank stand repealed. No Circular No. Date Subject 1. DPSS.CO.PD.No.447/02.14.003/2019-20 August 21, 2019 Processing of e-mandate on cards for recurring transactions 2. DPSS.CO.PD No.1324/02.23.001/2019-20 January 10, 2020 Processing of e-mandate in Unified Payments Interface (UPI) for recurring transactions 3. DPSS.CO.PD No.754/02.14.003/2020-21 December 04, 2020 Processing of e-mandates for recurring transactions 4. CO.DPSS.POLC.No.S34/02-14-003/2020 March 31, 2021 Framework for processing of e-mandates for recurring online transactions 5. Clarification issued to IBA on e-mandate based recurring transactions October 08, 2021 RBI's framework for e-mandate based recurring transactions 6. CO.DPSS.POLC.No.S-518/02.14.003/2022-23 June 16, 2022 Processing of e-mandates for recurring transactions 7. CO.DPSS.POLC.No.S-882/02.14.003/2023-24 December 12, 2023 Processing of e-mandates for recurring transactions 8. CO.DPSS.POLC.No.S528/02-14-003/2024-25 August 22, 2024 Processing of e-mandates for recurring transactions 1 The requirement for providing details of grievance redressal is added, based on feedback. 2 This clause is added based on feedback. 2026 All Months January February March April May June July August September October November December 2025 All Months January February March April May June July August September October November December 2024 All Months January February March April May June July August September October November December 2023 All Months January February March April May June July August September October November December 2022 All Months January February March April May June July August September October November December 2021 All Months January February March April May June July August September October November December 2020 All Months January February March April May June July August September October November December 2019 All Months January February March April May June July August September October November December 2018 All Months January February March April May June July August September October November December 2017 All Months January February March April May June July August September October November December Archives 2016 All Months January February March April May June July August September October November December 2015 All Months January February March April May June July August September October November December 2014 All Months January February March April May June July August September October November December 2013 All Months January February March April May June July August September October November December 2012 All Months January February March April May June July August September October November December 2011 All Months January February March April May June July August September October November December 2010 All Months January February March April May June July August September October November December 2009 All Months January February March April May June July August September October November December 2008 All Months January February March April May June July August September October November December 2007 All Months January February March April May June July August September October November December 2006 All Months January February March April May June July August September October November December 2005 All Months January February March April May June July August September October November December 2004 All Months January February March April May June July August September October November December 2003 All Months January February March April May June July August September October November December 2002 All Months January February March April May June July August September October November December 2001 All Months January February March April May June July August September October November December 2000 All Months January February March April May June July August September October November December 1999 All Months January February March April May June July August September October November December 1998 All Months January February March April May June July August September October November December 1997 All Months January February March April May June July August September October November December 1996 All Months January February March April May June July August September October November December 1995 All Months January February March April May June July August September October November December 1994 All Months January February March April May June July August September October November December 1993 All Months January February March April May June July August September October November December 1992 All Months January February March April May June July August September October November December 1991 All Months January February March April May June July August September October November December Top Back to previous page More Links Bank Holidays Banking Glossary Citizen's Charter Complaints Contact Us COVID-19 Measures E-LMS Events FAQs Financial Education Forms IFSC/MICR Codes Important Websites Opportunities @ RBI RBI Clarifications RBI Kehta Hai RBI’s Vision and Values Right to Information Act Tenders Follow RBI RSS Twitter YouTube Instagram Facebook LinkedIn

Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/DPSS/2026-27/396 · issued 21 Apr 2026. The plain-English explanation above is BankPulse’s own independent summary.

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