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RBI Rolls Out E-Mandate Framework 2026, Boosts Security in Digital Payments
(Pooja Srivastava, Anytime News Network)
: The Reserve Bank of India has introduced the Digital Payments – E-Mandate Framework, 2026, aiming to strengthen security, transparency, and customer control in recurring digital transactions. The framework applies to all payment systems, including cards, UPI, and prepaid instruments, and comes into effect immediately.
Under the new guidelines, customers must complete a one-time registration with Additional Factor of Authentication (AFA) to activate an e-mandate. Importantly, users will have the flexibility to modify or revoke mandates at any time, ensuring greater control over their recurring payments.
A key feature of the framework is the mandatory pre-transaction notification. Customers will receive alerts at least 24 hours before any auto-debit, detailing the merchant name, transaction amount, date, time, and purpose. This enables users to opt out of unwanted transactions in advance.
The RBI has also revised transaction limits to enhance convenience. Recurring payments up to ₹15,000 can now be processed without AFA, while higher limits—up to ₹1,00,000—are permitted for specific categories such as insurance premiums, mutual fund subscriptions, and credit card bill payments.
Additionally, post-transaction notifications have been made mandatory, including complete transaction details and grievance redressal information. The framework ensures that customer liability for unauthorized transactions remains limited, in line with existing RBI norms.
No charges will be levied on customers for availing e-mandate services. However, pre-transaction notifications are not required for auto-replenishment of FASTag and National Common Mobility Card (NCMC) balances.
Experts believe this framework will significantly enhance trust in India’s digital payment ecosystem, reduce fraud risks, and support the country’s transition toward a more robust digital economy.
