NPCI NACH Debit Mandate Reason Codes (LotusPay) (updated 13/Jul/2018)
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Serial No. in CircularA. NACK Reject ReasonReject DescriptionPhysical MandateseSign eMandatesAPI eMandatesTypeDeleted
Changes in Circular 2018-19/011
Notes
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1M003Drawers signature differsYesNANAReject
3
2M004Drawers signature requiredYesNANAReject
4
3M005Drawers signature to operate account not receivedYesNANAReject
5
4M006Drawers authority to operate account not receivedYesNANAReject
6
5M007Alterations require drawers authenticationYesNANAReject
7
6M008Company for stamp required or wrongYesNAYesRejectCHANGED
8
7M009Mandate in old formatYesNANAReject
9
M010Start date is mandatoryYesRejectDELETEDDELETED
10
8M011Payment stopped by attachment orderYesYesNAReject
11
9M012Payment stopped by court orderYesYesNAReject
12
10M013Withdrawal stopped owing to death of account holderYesYesNAReject
13
11M014Withdrawal stopped owing to lunacy of account holderYesYesNAReject
14
12M015Withdrawal stopped owing to insolvency of accountYesYesNAReject
15
M020Rejected due to duplicate UMRNYesRejectDELETEDDELETED
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13M021Duplicate mandate first presented mandate alreadyYesYesYesReject
17
14M022Mandate presented in ACH as well as ECSYesNANAReject
18
15M023Refer to the branch KYC not completedYesYesNAReject
19
16M024Amount in words and figures differYesNANAReject
20
17M025Present under proper mandate categoryYesYesNAReject
21
18M026Account frozen or inoperativeYesYesNAReject
22
19M027Image not clearYesNANAReject
23
20M030Mandate registration not allowed for CC accountYesYesNAReject
Description amended
24
21M031
Not a CBS account number or old account number. Re-present with CBS account number.
YesYesNARejectADDED
25
22M032Rejected as per customer confirmationYesYesYesReject
26
23M033
Invalid monthly EMI amount. Full loan amount mentioned
YesNANARejecteSign removed
27
24M034Amount of EMI more than limit allowed for the accountYesYesNAReject
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25M035Corporate name mismatchYesYesNARejecteSign added
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26M037Account closedYesYesNAReject
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27M038No such accountYesYesNAReject
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28M041Account blockedYesYesNAReject
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M042Account description does not tallyYesRejectDELETEDDELETED
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M043Nature of debit not allowed in account typeYesYesRejectDELETEDDELETED
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29M049Drawer's signature not updated in bank CBSYesNANARejectADDED
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30M050Drawer's signature illegible in mandate formYesNANARejectADDED
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31M051Mandate not registered - NRE accountYesYesNARejectADDED
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32M052Mandate not registered - Minor accountYesYesNARejectADDED
38
33M053Mandate registration not allowed for PF accountYesYesNARejectADDED
39
34M054Mandate registration not allowed for PPF accountYesYesNARejectADDED
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35M055Account inoperativeYesYesNARejectADDED
41
36M056
Mandate not registered - not maintaining required balance
YesYesNAReject
42
37M057Account holder name mismatch with CBSYesYesNAReject
Description amended, eSign added
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M058Name of beneficiary not provided or not legibleYesYesRejectDELETEDDELETED
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38M060Invalid frequencyYesYesNAReject
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M061Frequency of payment not mentioned on mandateYesRejectDELETEDDELETED
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M062Period of validity not mentioned or invalid end dateYesRejectDELETEDDELETED
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M063Invalid bank nameYesRejectDELETEDDELETED
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M065Fixed or maximum option not specified on mandateYesRejectDELETEDDELETED
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39M066Joint signature requiredYesNANARejectADDED
50
40M067
Thumb print in CBS but customer signed in mandate or vice versa
YesNANARejectADDED
51
41M068Account type in mandate is different from CBSYesNAYesRejectADDED
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M072Data mismatch with mandateYesRejectDELETEDDELETED
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M073Mandate incompleteYesRejectDELETEDDELETED
54
42M074Data mismatch with image_account numberYesNANARejectADDED
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43M075Data mismatch with image_account typeYesNANARejectADDED
56
M076Data mismatch frequency and periodYesRejectDELETEDDELETED
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44M077Data mismatch with image_frequencyYesNANAReject
Description amended
58
45M078Data mismatch with image_periodYesNANAReject
Description amended
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46M079Data mismatch with image_debit typeYesNANAReject
Description amended
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47M080Data mismatch with image_amountYesNANARejectADDED
61
48M081Data mismatch with image_start dateYesNANARejectADDED
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49M082Data mismatch with image_end dateYesNANARejectADDED
63
50M083Data mismatch with image_payer nameYesNANARejectADDED
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51M084Data mismatch with image_debtor bank nameYesNANARejectADDED
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52M085Data mismatch with image_more than one fieldYesNANARejectADDED
66
M086Customer identifier mismatchYesRejectDELETEDDELETED
67
M087Incorrect amountYesYesRejectDELETEDDELETED
68
53M088
API-Data mismatch with customer info and data mandate
NANAYesReject
NA stated for Physical
69
54M089
Aadhaar number mismatch in X509 certificate and mandate
NAYesNAReject
NA stated for Physical and API
The Aadhaar number in the mandate does not match with the Aadhaar number in the digital signature.
70
55M090
Aadhaar number mismatch in X509 certificate and bank CBS
NAYesNAReject
NA stated for Physical and API
The Aadhaar number in the digital signature does not match with the Aadhaar number in the bank account.
71
56M091eSign signature is tamperred or corruptNAYesNAReject
NA stated for Physical and API
The eSign signature is not valid.
72
57M092Signed content does not tally with the data mandateNAYesNAReject
NA stated for Physical and API, description changed
The signed content does not match with the unsigned content.
73
58M093Aadhaar not mapped to account numberNAYesNAReject
NA stated for Physical and API
The Aadhaar number in the mandate does not match with the Aadhaar number in the account number.
74
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B. ACK Accept Reason
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1AC01ACK Default Accept ReasonYesYesYesAccept
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C. Amendment Reason
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1M036
Not a CBS account number or old account number. Represent with CBS number.
YesNANAAmend
82
3A001On customer requestYesYesYesAmend
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84
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D. Mandate Cancel Reasons
86
1C003Account closedYesYesYesCancel
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2C004Account frozenYesYesYesCancel
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3C005Account inoperativeYesYesYesCancel
89
4C002Cancellation on corporate requestYesYesYesCancel
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5C001Cancellation on customer requestYesYesYesCancel
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93
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Source: NPCI NACH Circular 2018-19/011
https://www.npci.org.in/sites/default/files/circular/Circular%20No.011%20MMS%20-%20Mandate%20Variant%20wise%20reason%20code.pdf
96
Source: NPCI NACH Circular 227
https://www.npci.org.in/sites/default/files/circular/Circular-No.227-MMS-New-Reason-Codes.pdf
97
Source: NPCI NACH Circular 193
https://www.npci.org.in/sites/default/files/circular/CircularNo-193.pdf
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E. NPCI system generated
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