RBI’s New E-Mandate Framework: Key Changes in Auto Payments You Must Know
April 22, 2026
RBI’s new e-mandate rules allow auto payments up to ₹15,000 without OTP, expand scope to cross-border transactions and introduce stronger safety and transparency measures.
RBI E-Mandate Rules
The Reserve Bank of India (RBI) on Tuesday rolled out a new e-mandate framework with immediate effect, bringing uniform rules for recurring digital payments and replacing earlier guidelines to make auto-debit transactions simpler across India.
No OTP For Payments
Under the new rules, recurring payments up to ₹15,000 will be processed automatically without additional authentication like OTP, making transactions such as subscriptions and utility bills faster and more seamless for users.
How E-Mandate Works?
Users must first set up a one-time e-mandate using additional factor authentication, after which the system enables automatic processing of recurring payments within the ₹15,000 limit without requiring OTP for every transaction.
Wider Coverage Added
The RBI said the framework now extends to cross-border recurring payments, expanding its scope beyond domestic transactions and making it applicable to a wider range of digital payment use cases across international platforms and services.
Charges Not Allowed
The central bank has clearly stated that banks are not permitted to impose any additional charges on customers for using the e-mandate facility, ensuring that recurring payment services remain accessible without extra financial burden on users.
Higher Limit Exceptions
The RBI highlighted exceptions for insurance premiums, mutual fund investments and credit card bill payments, allowing recurring transactions up to ₹1 lakh without additional authentication due to their higher-value nature.
Payment Alerts & Control
Banks and payment providers must send pre-debit alerts at least 24 hours in advance with details such as merchant name, amount and date, the RBI said, allowing users to cancel or opt out before processing and enabling modification, pause or revocation anytime.
The Reserve Bank of India (RBI) on Tuesday rolled out a new e-mandate framework with immediate effect, bringing uniform rules for recurring digital payments and replacing earlier guidelines to make auto-debit transactions simpler across India.
No OTP For Payments
Under the new rules, recurring payments up to ₹15,000 will be processed automatically without additional authentication like OTP, making transactions such as subscriptions and utility bills faster and more seamless for users.
How E-Mandate Works?
Users must first set up a one-time e-mandate using additional factor authentication, after which the system enables automatic processing of recurring payments within the ₹15,000 limit without requiring OTP for every transaction.
Wider Coverage Added
The RBI said the framework now extends to cross-border recurring payments, expanding its scope beyond domestic transactions and making it applicable to a wider range of digital payment use cases across international platforms and services.
Charges Not Allowed
The central bank has clearly stated that banks are not permitted to impose any additional charges on customers for using the e-mandate facility, ensuring that recurring payment services remain accessible without extra financial burden on users.
Higher Limit Exceptions
The RBI highlighted exceptions for insurance premiums, mutual fund investments and credit card bill payments, allowing recurring transactions up to ₹1 lakh without additional authentication due to their higher-value nature.
Payment Alerts & Control
Banks and payment providers must send pre-debit alerts at least 24 hours in advance with details such as merchant name, amount and date, the RBI said, allowing users to cancel or opt out before processing and enabling modification, pause or revocation anytime.