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 |
