Pay-In AcceptanceNPCI Approved

eNACH

Automated recurring bank account debit mandates

Set up recurring bank debits through NPCI's eNACH network using NetBanking or Debit Card authentication. Perfect for loan EMIs, SIPs, and subscriptions.

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Authentication

NetBanking / Debit Card

Max Mandate Limit

INR 1,00,00,000

Clearing House

NPCI eNACH

Key Capabilities

Digital mandate registration via NetBanking & Debit Card
Automated scheduled debit queues with pre-debit notifications
High success rate for recurring EMI and subscription collections
Complete mandate lifecycle management (Amend, Cancel, Freeze)

JAVASCRIPT API IntegrationProduction REST v2

const mandate = await sp.enach.createMandate({
  merchantRef: "EMI_SUB_9012",
  maxAmount: 1000000,
  frequency: "MONTHLY",
  bankCode: "HDFC0000001"
});