Professional Documents
Culture Documents
NACH-DR is the product of NPCI to provide a better & efficient Mandate based debit
services to the banks.
Automated processing and exchange of mandate information electronically with welldefined timelines for acknowledgement/confirmation.
Each mandate needs to be accepted/authorized by the debtor bank before the User can
initiate a transaction
MMS would allow processing of e-mandates as well as paper mandates, where emandates would consist of only data file upload while paper mandates would consist of
mandate image and Data file uploads. E-mandates can be initiated only by a debtor
bank.
Bank can leverage on the existing CTS instrument scanning infrastructure for scanning
and maintaining repository of the mandates images
Will result in reduced operational cost for the banks and its clients
Will result in higher revenues for the banks and its clients as the scope of
services expand pan India - beyond the 90 Clearing centres
Mandates can be processed by the member for any branch across the
country
Minimal time taken to activate the Mandate same day processing possible
Mandates sent
to Sponsor Bank
Customer
Sponsor
Bank
Corporates
Mandate
initiation by
customer
7
8
Sponsor
Bank update
Corporates
UMRN
N
A
C
H
NPCIs purview
5
Destination Bank
6
Destination Bank
sends verified
mandate details
to Sponsor Bank
through NPCI &
update their
records
IVR
Customer
Internet
Destination
Bank
Paper
8
Customer
update
with
UMRN
NPCIs purview
UMRN
N
A
C
H
is generated at NPCI
end.
Verified
mandate
data with
UMRN
Verified
mandate
information
with UMRN
sent to
Corporates
Sponsor
Bank
Database
update &
sending
confirmation
response
Corporates
Database
update &
sending
confirmatio
n response
Mandate Processing
Pain009
User
Pain010
Uploads
Mandate
Creation File
User
Downloads Data
& Image
Mandate file
Uploads
Mandate
Amendment File
MMS Process
Validation & Generation
of UMRN
ACK/NACK
Pain011
Uploads
Mandate
Cancellation File
ACK/NACK
Creates
Mandate
Acceptance
Report
Sends Mandate
Acceptance
Report
Pain012
User
Yes
Valid
file
Inward File
Downloaded
Yes
ACH Clearing
& Settlement
Process
User
Uploads
Return File
ACK msg
No
NACK msg
ACK /
NACK
msg
Transactions
Rejected
Yes
Output File
Downloaded
Valid
file
Yes/No
Key Mandate variables will be stored and validated at the transaction leg
If the input transactions fails above validations, NPCI will reject those
transaction at Sponsor Bank end itself.
Weekdays : 05:00PM
Saturday : 03:00PM
11
12
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As a Sponsor Bank:
Utility/ application for viewing scanned mandates that you would
send to destination bank.
System/hardware to scan mandates .
Data entry mechanism for mandates into your core
system/intermediary application.
Corporate/ customer user name and user number- Form to be
submitted by sponsor bank and then processed by NPCI.
14
As a Destination Bank:
Ability to store/record details of mandates raised by sponsor
bank (through a utility/ application)
Ability to accept /reject mandate raised by sponsor bank, after
verifying the mandate information/details , as raised by sponsor
bank.
Develop a Utility to run inward (INW) transaction files for NACHDR in the system.
Develop a Utility to upload Return file (RTN) for NACH-DR
transactions .
15
Thank You
ach@npci.org.in