Regulatory text · Reserve Bank of India · Authoritative (T1)
Digital Payments – E-mandate Framework, 2026
Current version 21 April 2026 · Effective Apr 21, 2026 · entry recorded 8 Oct 2026
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Systems it applies to
Publisher: RBI →
Versions ClearingPost holds (1)
- 21 April 2026effective 21 Apr 2026current
What changed: Directions issued by the Reserve Bank of India on 21 April 2026 (RBI/CO.DPSS.POLC.No.S56/02.14.003/2026-27), effective immediately. They consolidate the RBI's circulars on e-mandates and apply to all payment system providers and participants processing recurring transactions, domestic or cross-border, using cards, PPIs or UPI. Recurring transactions may be authorised without an additional factor of authentication (AFA) up to ₹15,000 per transaction, or ₹1,00,000 for insurance premiums, mutual fund subscriptions and credit card bill payments; issuers must send a pre-transaction notification at least 24 hours before the debit (not required for e-mandates that auto-replenish FASTag and NCMC balances). The Directions repeal the earlier circulars, including the circular of 10 January 2020 on e-mandates in UPI.
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