{"id":17115,"date":"2026-04-23T04:33:01","date_gmt":"2026-04-23T11:03:01","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=17115"},"modified":"2026-04-23T04:33:02","modified_gmt":"2026-04-23T11:03:02","slug":"e-mandate-norms","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/e-mandate-norms\/","title":{"rendered":"RBI Changes E-Mandate Norms: OTP-Free Payments Up to \u20b915,000"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/e-mandate-norms\/#What_has_the_RBI_announced\" >What has the RBI announced?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/e-mandate-norms\/#How_Does_the_RBI_Retain_Key_User_Protection_Measures\" >How Does the RBI Retain Key User Protection Measures?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/e-mandate-norms\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/personal-finance\/\">Personal Finance<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/personal-finance\/banking\/\">Banking<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>RBI Changes E-Mandate Norms: OTP-Free Payments Up to \u20b915,000<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\">The Reserve Bank of India on Tuesday issued a consolidated e-mandate framework, effective immediately. The new framework brings recurring digital payment rules under a single set of directions and applies to <strong>domestic and cross-border transactions<\/strong> processed through <strong>cards, UPI, and prepaid payment instruments<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_has_the_RBI_announced\"><\/span>What has the RBI announced?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under the new framework:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Recurring transactions up to \u20b915,000 per transaction can be processed without fresh additional authentication.<\/li>\n\n\n\n<li>For insurance premiums, mutual fund subscriptions, and credit card bill payments, the limit has been raised to \u20b91 lakh per transaction.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The new rules apply to payments made through:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cards<\/li>\n\n\n\n<li>UPI<\/li>\n\n\n\n<li>And all other prepaid payment instruments<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong> This does not mean every debit will go through without verification. A customer must first complete a one-time e-mandate registration with additional authentication. The relaxation applies to later debits that fall within the permitted limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Planning higher payments? Don\u2019t miss the latest <a href=\"https:\/\/shoonya.com\/blog\/gpay-limit-per-day\/\" type=\"link\" id=\"https:\/\/shoonya.com\/blog\/gpay-limit-per-day\/\" target=\"_blank\" rel=\"noreferrer noopener\">GPay limit per day<\/a> and transaction rules.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_the_RBI_Retain_Key_User_Protection_Measures\"><\/span>How Does the RBI Retain Key User Protection Measures?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The RBI has kept several customer safeguards within the framework:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Issuers must send a pre-transaction notification at least 24 hours before the debit, including the merchant name, amount, debit date or time, and mandate reference number.<\/li>\n\n\n\n<li>A post-transaction notification must also be sent after the debit.<\/li>\n\n\n\n<li>Customers can <strong>modify the validity period<\/strong> or later <strong>opt out of or cancel the mandate<\/strong>.<\/li>\n\n\n\n<li>No charge can be levied for using the e-mandate facility.<\/li>\n\n\n\n<li>In card-based cases, existing mandates can be linked to reissued cards.<\/li>\n\n\n\n<li>FASTag and NCMC auto-replenishment are exempt from pre-debit notification requirements.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The RBI has repealed older circulars issued between <strong>2019 and 2024<\/strong> and replaced them with this consolidated 2026 framework. The move is expected to make low-value recurring payments smoother, allow higher limits for select financial categories, and extend the framework to cover cross-border use cases under a single updated rulebook.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source:<\/strong> https:\/\/www.livemint.com\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark>: This content is for education and awareness purposes only and should not be considered investment advice or a recommendation. Investments in securities markets are subject to market risks. Read all the related documents carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Reserve Bank of India on Tuesday issued a consolidated e-mandate framework, effective immediately. The new framework brings recurring digital payment rules under a single set of directions and applies to domestic and cross-border transactions processed through cards, UPI, and prepaid payment instruments.&nbsp; What has the RBI announced? Under the new framework:&nbsp; The new rules &hellip; <a href=\"https:\/\/shoonya.com\/blog\/e-mandate-norms\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;RBI Changes E-Mandate Norms: OTP-Free Payments Up to \u20b915,000&#8221;<\/span><\/a><\/p>\n","protected":false},"author":17,"featured_media":17118,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[3231],"tags":[9729,9727,9728,9726,9730,9731],"class_list":["post-17115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-additional-factor-authentication","tag-auto-pay","tag-e-mandate","tag-e-mandate-norms","tag-otp-free-transactions","tag-rbi-e-mandate-rules"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - 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