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The National Payments Corporation of India (NPCI) has issued a circular introducing modifications to rejection reason codes for National Automated Clearing House (NACH) E-Mandates. These updates aim to improve communication and user understanding regarding rejections in mandate creation. A total of 20 new codes have been added, while 33 existing descriptions have been revised. Additionally, 22 codes have been removed to streamline the system. Member banks are directed to update their systems with the revised codes by January 1, 2025, to ensure consistency and avoid discrepancies in mandate registration responses.

Banks are also advised to analyze rejection patterns and maintain hygiene in the ecosystem by limiting transaction declines to 0.5%. This move seeks to enhance customer experience and reduce errors. The updates include new rejection reasons such as account number not linked with a debit card, customer mobile number not in CBS, and UIDAI OTP expiration, among others. Key revisions cover issues like invalid account details, Aadhaar linkage errors, and mandate registration limitations for specific account types.

NPCI emphasizes that these changes aim to streamline the mandate registration process, improve communication, and address end-user concerns effectively. For implementation-related queries, member banks can use the GRIM tracker.

NATIONAL PAYMENTS CORPORATION OF INDIA

NPCI/2024-25/NACH/006 Dated: November 27, 2024

To
All NACH member banks

Changes in Rejection reason codes & description in NACH

Based on the feedback from various participating banks on reject reasons of E Mandate, it has been decided to modify the description of a few rejection reason codes and a few codes are added to provide clear communication to the end user. The updated rejection reason codes and description are to help the end user in understanding the reason behind rejection in mandate creation and take corrective actions wherever required. Comprehensive list of updated rejection reason codes and description is provided in Annexure-1

Banks are advised to update the rejection codes along with description in their system to avoid discrepancy in receiving the mandate registration response. Also, in order to maintain the ecosystem hygiene and improve the customer experience it is advised that banks should analyze the rejections and take all the possible measures to reduce the TD (not to exceed 0.5%)

The updated rejection codes & description must be implemented by all the participating banks by January 01, 2025

For any clarification, please raise through GRIM tracker.

With warm regards,

SD
Giridhar G. M
Chief – Customer Success

Annexure-1

Updated Reason Codes

S.N. Reason Code Reason Description Remarks
1 AP65 Account number not linked with given debit card New Code
2 AP66 No response received from bank within prescribed time limit New Code
3 AP67 Customer mobile number not available in bank CBS to trigger OTP New Code
4 AP68 Invalid UIDAI authentication flag received for defined mandate limit New Code
5 AP69 Cust ID validation failed due to Customer ID mismatch with CBS New Code
6 AP70 Time expired for UIDAI OTP New Code
7 AP52 PAN validation failed due to PAN number mismatch with CBS Description Revised
8 AP49 PAN validation failed due to PAN not updated in CBS Description Revised
9 AP05 No such account in CBS / Invalid account number Description Revised
10 AP14 Authentication failed due to invalid net banking credentials Description Revised
11 AP16 Mandate registration not allowed for minor account Description Revised
12 AP17 Mandate registration not allowed for NRE account Description Revised
13 AP21 Mandate registration not allowed – Account freeze by court/attachment order Description Revised
14 AP27 Invalid mandate frequency Description Revised
15 AP46 No response received from customer during mandate registration Description Revised
16 AP47 Account number registered for only view rights in net banking Description Revised
17 AP51 Aadhaar number not linked with the debtor account number Description Revised
18 AP55 Aadhaar number does not have mobile number in UIDAI Description Revised
19 AP62 UIDAI authentication failed due to invalid Aadhaar OTP Description Revised
20 AP24 Account inactive Description Revised
21 AP35 Invalid debit card details Description Revised
22 AP39 Invalid bank OTP Description Revised
23 AP34 Account number not registered with net banking facility Description Revised
24 AP40 Maximum tries exceeded for bank OTP Description Revised
25 AP41 Time expired for bank OTP Description Revised
26 AP29 Technical errors or connectivity issues at bank end Description Revised
27 AP54 Could not send OTP to customer Description Revised
28 0 Successful mandate registration Existing I No Change
29 AP01 Account blocked Existing / No Change
30 AP02 Account closed Existing / No Change
31 AP03 Account frozen Existing / No Change
32 AP04 Account inoperative Existing I No Change
33 AP07 Refer to the branch – KYC not completed Existing / No Change
34 AP08 Account holder name mismatch with CBS Existing I No Change
35 AP09 Account type in mandate is different from CBS Existing I No Change
36 AP12 Amount of EMI more than limit allowed for the account Existing / No Change
37 AP18 Mandate registration not allowed for CC account Existing / No Change
38 AP19 Mandate registration not allowed for PF account Existing / No Change
39 AP20 Mandate registration not allowed for PPF account I Existing I No Change
40 AP23 Transaction rejected or cancelled by the customer Existing / No Change
41 AP30 Browser closed by customer in mid transaction Existing / No Change
42 AP31 Mandate registration not allowed for Joint account Existing I No Change
43 AP32 Mandate registration not allowed for wallet account Existing / No Change
44 AP33 User rejected the transaction on pre-login page Existing I No Change
45 AP43 Debit card blocked Existing I No Change
46 AP44 Debit card hot listed Existing / No Change
47 AP45 Debit card expired Existing I No Change
48 AP48 Aadhaar number does not match with debtor account number Existing I No Change
49 AP50 Bank Aadhaar OTP verification response failed Existing / No Change
50 AP53 Maximum tries exceeded for UIDAI OTP Existing I No Change
51 AP56 Aadhaar number does not have both email id and mobile number Existing / No Change
52 AP57 Aadhaar number doesn’t have verified mobile number Existing I No Change
53 AP58 Aadhaar number doesn’t have verified email and mobile number Existing / No Change
54 AP60 Aadhaar locked by Aadhaar number holder Existing / No Change
55 AP61 Aadhaar number usage is blocked by Aadhaar number holder Existing / No Change
56 AP63 Transaction value did not match with transaction value of request OTP API Existing / No Change
57 AP64 Maximum number of attempts for OTP match is exceeded or OTP is not generated Existing / No Change
58 AP42 Debit card not activated Existing I No Change
59 AP10 Amount exceeds e-mandate limit Removed
60 ^:P11 Authentication failed Removed
61 AP13 Invalid monthly EMI amount, full loan amount mentioned Removed
62 AP15 Mandate not registered due to not maintaining required balance Removed
63 AP25 Withdrawal stopped owing to insolvency of account Removed
64 AP26 Withdrawal stopped owing to lunacy of account hold Removed
65 AP28 Mandate registration failed, please contact your home branch Removed
66 AP59 Invalid mobile number Removed
67 601 Debit card validation failed due to invalid card number Removed
68 602 Debit card validation failed due to invalid expiry Removed
25 603 Debit card validation failed due to invalid CVV Removed
69 604 Account details does not match Removed
70 605 OTP invalid Removed
71 609 Debit card validation failed due to invalid PIN Removed
72 AP22 Payment stopped by court order Removed
73 APO6 Not a CBS account or old account number represented with CBS Removed
74 AP36 Debit card validation failed due to invalid expiry Removed
75 AP37 Debit card validation failed due to invalid PIN Removed
76 AP38 Debit card validation failed due to invalid CVV Removed
77 610 Invalid Pan Removed
73 611 Invalid OUST ID Removed

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