Note: The eSign based eMandate services have been suspended following the Circular No: NPCI/2018-19/NACH/CIRCULAR NO.35 issued by the NPCI. However, we still offer API based eMandate services. Click on this link to know more about API based eMandate.

Utilize eNACH and Go Digital Now with

Seamless Transaction using eNACH

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A customer who had to automate recurring payments would have to do so by manually issuing a Mandate. A Mandate is an order that an individual or business issues to the bank to debit a certain amount of money from their bank account periodically.

Mandate - The Manual Process

  • Bank or Company collects the customer’s physically signed form (a booklet, in most cases)
  • The form specifies the sum that is to be deducted from the customer’s bank account systematically
  • This form is sent to the National Payments Corporation of India (NPCI) and a Unique Mandate Reference Number (UMRN) is created
  • This UMRN is required in order for the Customer's Bank to automate payments
  • The entire process of creating a mandate takes around one week’s time to complete
  • Document disparity or mismatch in the physical signature could extend the process’s duration

Well, Time is Money! Don’t you agree?

With eNACH, you can initiate direct debits from your Customer's Bank account within 2 working days. Forget the long process of filling in physical forms, manually collecting signatures and signature mismatches.

eNACH - The Digital Process

Simply invite the customer to authorise the eNACH form using eSign or their Netbanking credentials. The mandate will then be processed by the National Payments Corporation of India (NPCI). The mandate is then sent to the Customer’s Bank where it is either approved or denied. Some advantages of the eMandate include

eNACH The Digital Process

Seamless Payments

Once the eMandate is authorised, the National Automated Clearing House (NACH) automates the recurring debit transfers from the Customer’s bank account.

Use eNACH to Get Faster Payments

Help your customers make recurring payments quickly with SignDesk’s eMandate workflow management. Now you can authorise eNACH using eSign and through your Netbanking login.