NPCI-Compliant Digital Collections

e-NACH Digital Mandate Platform

Digitize recurring payment collections with secure electronic mandates, automated debit processing, and real-time tracking.

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Mandate Dashboard ● Live
Active Mandates
0
▲ 12.4% this month
Success Rate
97.3%
▲ 2.1% vs last month
Monthly Debit Volume
₹48.6 Cr
▲ 18.7% growth
Processed 94.2%
Pending 4.1%
Failed 1.7%
Platform Overview

What is the e-NACH Platform?

The e-NACH platform enables banks, NBFCs, and businesses to digitally create, authenticate, manage, and process recurring payment mandates securely through NPCI infrastructure.

Replace paper-based ECS mandates with fully digital, OTP-authenticated, NPCI-registered mandates that power automated recurring collections at scale — with complete audit trails and real-time status tracking.

📄Paperless Mandate Setup 🔐OTP Authentication 🤖Automated Collections 📊Lifecycle Tracking 🔒Secure Recurring Payments
🏦
Bank Integration
Direct NPCI-certified bank connectivity for mandate registration
⚡
Auto-Debit Engine
Fully automated debit scheduling and execution pipeline
📈
Analytics Suite
Real-time dashboards with collection analytics and insights
🔔
Smart Alerts
Instant notifications for mandate status and debit updates
Key Features

Everything You Need for Digital Mandates

A comprehensive suite of tools to digitize, automate, and monitor recurring payment collections end-to-end.

📝
Digital Mandate Creation
Fully paperless online mandate registration with pre-filled forms and guided customer journey.
🔑
OTP-Based Authentication
Secure mobile OTP verification to authenticate mandates, eliminating physical signature requirements.
🏛️
NPCI Integration
Seamless connectivity to NPCI infrastructure for mandate registration and validation in real time.
⚙️
Automated Debit Processing
Rule-based debit scheduling engine that processes recurring payments automatically on due dates.
📊
Mandate Status Tracking
Full lifecycle visibility — from creation to approval, active debits, and closure with audit logs.
🔔
Real-Time Notifications
Instant SMS, email, and webhook alerts for mandate events, debit confirmations, and failures.
🔄
Auto Reconciliation
Automated matching of debit records with mandate data and bank settlement reports.
🔗
Secure API Connectivity
REST APIs with OAuth 2.0 and encrypted payloads for seamless integration with your systems.
How It Works

e-NACH End-to-End Flow

Six simple steps from customer initiation to automated recurring debit execution.

👤1
Customer
Initiates mandate request via web or mobile portal
🔐2
Authentication
Mobile OTP verification confirms customer identity
🏦3
Bank Verification
Account details validated against destination bank
🏛️4
NPCI Registration
Mandate registered and approved through NPCI network
✅5
Mandate Approval
Confirmed mandate activated with schedule set
⚡6
Auto Debit
Recurring debit executed automatically on due dates
Analytics Dashboard

Real-Time Performance Insights

Monitor your mandate ecosystem with live KPIs and visual analytics built for enterprise scale.

📋
Active Mandates
0
▲ 12.4% this month
✅
Debit Success Rate
97.3%
▲ 2.1% improvement
💰
Monthly Collections
₹48.6 Cr
▲ 18.7% vs last month
❌
Failed Transactions
2,142
▼ 31% reduction
👥
Registered Customers
86,400
▲ 8.9% new signups
🏦
Connected Banks
142
▲ 6 banks added
Monthly Mandate Growth
Jan – Jun 2025 mandate registrations
Jan Feb Mar Apr May Jun
Success vs Failed Transactions
Last 30 days collection outcomes
97.3% Success
Successful 97.3%
Failed 1.7%
Pending 1.0%
Collection Analytics
Monthly debit volume trend (₹ Cr)
Jan Feb Mar Apr May
Processing Volume
Daily mandate processing status
Mon Tue Wed Thu Fri Sat Sun
Benefits

Why Choose e-NACH?

Measurable operational advantages for every stakeholder in the recurring payment lifecycle.

🚀
Faster Customer Onboarding
Reduce mandate setup time from days to minutes with digital-first customer journeys and instant verification.
📉
Reduced Paperwork
Eliminate physical ECS forms, manual processing, and document storage with fully digital workflows.
📈
Improved Collection Efficiency
Automated scheduling, retry logic, and batch processing drive collection rates above 97% consistently.
💯
Higher Transaction Success Rates
Smart debit timing, bank-specific routing, and failure analysis boost first-attempt success significantly.
🔒
Secure Recurring Payments
Bank-grade encryption, NPCI compliance, and multi-layer authentication protect every transaction.
🔄
Automated Tracking & Reconciliation
Instant auto-matching of settlements with mandate records eliminates manual reconciliation effort entirely.
Security & Compliance

Banking-Grade Security at Every Layer

Built to meet the highest standards of financial security and regulatory compliance, ensuring your mandate operations remain safe, auditable, and fully protected.

🏛️
NPCI Compliance
Certified mandate processing per NPCI guidelines and RBI directives
🔐
Encrypted Transactions
AES-256 encryption for all data at rest and in transit
📋
Audit Logs
Immutable audit trail for every mandate action and debit event
🔑
Secure Authentication
Multi-factor OTP with tokenized sessions for every mandate
👥
Role-Based Access
Granular RBAC controls across operators, managers, and admins
📡
Real-Time Monitoring
24/7 transaction monitoring with anomaly detection and alerts
🛡️
Bank-Grade Protection
NPCI · RBI · ISO 27001 Aligned
✅ NPCI Certified 🔒 AES-256 📋 ISO 27001
Industries

Built for Every Sector

e-NACH powers recurring collections across financial services, subscription businesses, and regulated industries.

🏦
Banking
Automate EMI collections, SIP debits, and account maintenance charges for retail and corporate banking.
🏢
NBFC
Streamline loan repayments and recurring EMI collections with high success rates and minimal defaults.
🛡️
Insurance
Collect premium payments on schedule with automated mandate management and renewal processing.
💳
Lending Platforms
Digital mandate setup at loan origination for seamless repayment collection throughout the loan tenure.
📦
Subscription Businesses
Manage recurring billing for SaaS, OTT, e-commerce, and membership platforms with zero manual effort.
⚡
Utility Payments
Enable auto-pay for electricity, water, gas, and telecom bills with customer-authorized mandates.

Modernize Recurring Payment Collections

Enable secure digital mandates with automated processing and real-time monitoring. Go live in weeks, not months.

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