e-Mandate provides a convenient and secure method for businesses to collect recurring
payments from their clients. This process not only enables businesses to ensure timely payments without the need for
manual handling, but also spares customers the effort of remembering to make payments and avoids potential late fees
or discontinuation of service.
e-Mandate service by NPCI serves as an electronic version of a mandate, which is an
established instruction given to a customer’s bank, authorizing the automatic debiting of a fixed amount to another
bank account. Through e-Mandate, customers have the capability to register, modify, and cancel mandate online.
With the e-Mandate, individuals can conveniently authorize recurring payments using their
Net banking or Debit card credentials.
e-Mandate and e-NACH are frequently used interchangeably.
e-Mandate or e-NACH Benefits:
Nationwide reach with large bank network
Better liquidity Management with immediate Debit realization
Future ready technology with multilevel security with host-to-host integration
Cost effective
High volume capacity
Response for all transactions
Strong Audit trail
Why Softscience?
Pricing – most cost effective in the industry
Platform – intelligent tailored made platform
Protection – 256-bit encryption
e-Mandate registration process
If the pictogram above resembles a roller coaster ride, please don't hesitate to reach
out to us. We'll be happy to provide further clarification
FAQs
How long does it take to register e-Mandate?
e-Mandate registration is real time. For banks, where e-Mandate facility is not available, Offline Mandate
registration needs to be done, which takes around 14 working days.
How do I create a e-Mandate or Physical Mandate?
You can create an e-Mandate online using your Debit Card or Net Banking. Please reach out to the institution you
wish to authorize or contact us via our Contact Us form on our website or send us an email. We will provide you
with step-by-step guidance on how to create the e-Mandate.
For physical Mandate, you need to ask for physical Mandate form, from the institution whom you want to authorise
collection from your account. In case of any support, kindly reach out to us.
Can I register any new bank account for e-Mandate or it is only for the existing old bank accounts?
There is no limit to the number of bank accounts you can register for the e-Mandate. You have the option to
register both your existing and newly opened bank accounts for the e-Mandate facility. There are 46+ Banks live
with e-Mandate services through Debit card and Net Banking mode.
What is the minimum and maximum limit amount set for e-Mandate?
e-Mandate requires a minimum amount of Rs 5000 and allows for a maximum of Rs 1 crore. While it is possible to
adjust and increase this amount, reductions are not permitted. The highest allowable Mandate amount is
contingent on the customer's bank. It is advisable for customers to consider setting a higher e-Mandate amount,
enabling smooth processing for transactions of varying sums without the necessity of registering a new e-Mandate
or increasing the limit.
What is Cancel / Amend / Suspend and Revoke of an existing e-Mandate?
Cancel is permanently cancelling or stopping a Mandate from future Debits in your account. Mandates once
cancelled cannot be activated again.
Amend is change of few details of a already registered Mandate.
Suspend and Revoke facility allows the customers to temporary suspend a Mandate and later, revoke the
suspension. No transactions shall be presented during the suspension period.
How can I Cancel / Amend / Suspend and Revoke an existing e-Mandate?
For any of your above requirements, kindly feel free to reach out to us through online form in our Contact Us
page with complete details or simply drop us an email. We will provide an acknowledgement of your request.
Alternatively, you can also reach out to your bank for cancellation of a Mandate registered in your bank
account.
What can be the maximum duration for which a e-Mandate can be issued?
Effective April 01, 2024, e-Mandate can be for a maximum duration of 40 years.
Is Negotiable Instruments Act applicable to e-Mandates?
Yes, as per the clarification from RBI, Section 138 of Negotiable Instruments Act, 1881 shall be applicable in
case of dishonour of e-Mandates.
