Neel
NATIONAL PAYMENTS CORPORATION OF NDA
NPCI/2016-17/NACH/Circular No. 240 August 21, 2017
To
AIL NACH member banks
Reject reason codes for eMandate variants
On the introduction of eMandate variants in MMS it has become necessary to provide
additional reject reason codes to ensure receiving banks are choosing appropriate reason
when rejecting a mandate. The list of reject reason codes newly added for eSign and API
variant are given below.
S.No] Variant Reason Reason Description
; ot mO8E ‘API - Data mismatch with customer info and data mandate
| 2} esign | M089 -Radhaar number mismatch in X509 certificate and mandate
3) eign M90 ~ | Radhaar number mismatch in X509 certificate and bank CBS
4 eSign | MOOT _ Tesign signature is tampered or corrupt
5 | eSign ‘M092 Signed Content doesn't tally with data mandate
6) eign bias 7 Aah oot : ppc j to account number
Comprehensive list of variant wise reject codes are provided in Annexure |.
The new codes will be effective from August 23 2017.
Member banks are advised to take note and update their internal systems accordingly and
use only appropriate reason codes specified for each variant for rejection of mandates, The
information contained herein may be disseminated to the officials concerned
For any clarifications please write back to ach@npci.org.in
rm regards,
( rar G M)
VP & Head - NACH & CTS Operations
001A, The Capital, 8 Wing 1th Floor, Bandra Kurla Complex, Bandra [E, Mumbai 400 051. T: +91 22 60009100 F: +91 2240009101 wernt orgin
CIN: U74990MH2008NPL189087Nec)
NATIONAL parENTS CORPORATION OF ND
Annexure - |
Variant wise rejection reason codes
Reject Reject Description Normal eSign API
S.No. Code
7 [M003 | Drawers signature differs Yes
2) M004 | Drawers signature required Yes
3 | MOOS | Drawers signature to operate account not received Yes
4 Drawers authority to operate account not received _ Yes
| Alterations require drawers authentication Yes
‘ompany for stamp required "Yes
sandate in old format Yes
| ~_| Start date is mandatory Yes
'_9[MO11 | Payment stopped by attachment order Yes | Yes
[10 | Mo12 "Payment stopped by court order Yes Yes
a4 | O13 | Withdrawal stopped owing to death of account Yes Yes
i 12] mora “| neal stopped owing to lunacy of account Yes Yes
73 | M015 __| Withdrawal stopped owing to insolvency of account _ Yes Yes
14 | M020 | Rejected due to duplicate UMRN Yes
15) M021 Duplicate mandate first sented mandate already Yes Yes Yes
16|M022___| Mandate presented in ACH as ; well as ECS. Yes
17 | M023 Refer to the branch YC not completed Yes Yes
“18 | M024 “Amount in words and figures differ Yes |
19 | MO25 Present under proper mandate category ‘yes | Yes
| 20 | mo26 ‘ecount frozen or inoperative Yes | Yes
21 [M027 __| Image not clear Yes |
22 | M030 Mandate registration not allowed for CC PF PPF act Yes Yes
[23 7M032___| Rejected as per customer ‘confirmation Yes Yes_—_‘Yes
| n
24 | M033 mnentioned EMI amount. Full loan amt Yes ve
25 | M034 Amount of EMI more than limit, ‘allowed for the acct Yes Yes
26 | MO35 Corporate name mismatch Yes
27 | M037 ‘Account closed [. Yes | Yes
28 | M038 No such account - Yes | Yes
29 | M041 Account blocked _ Yes Yes
30 | M042 ‘Account description does not tally _ Yes
ie I a "Yes Yes
10014, The Ceptal, B Wing, 10h Floor, Bandra Kurla Complex, Sandra], Murnbai GOO 081. T: +91 22 40007100 F:-+91 22 40009101 yrew.npciergin
CIN: 74890¢H2006NPL 199067Nec)
carson ergy pera Peer
NATIONAL BUMENTS CORPORATION OF INDUS
Reject Description Normal eSign API
32 | MO56 | Mandate Not Registered_ not maintaining req Yes ves
33 | M057, | _| Payer | name mismatch Yes
34 | MO5B__| Name of beneficiary not provided or not legible Yes Yes
ancy “Yes Yes
T “Frequency of payment not mentioned on mandate Yes
__ Period of validity not mentioned or invalid end date Yes
Yes
_ Fixed ‘or maximum option not specified on mandate _ Yes
| Data mismatch with Mandate Yes
| Mandate incomplete - Yes
| Data mismatch frequency and period Yes
~~ | Data mismatch frequency and signature Yes
;_| Data mismatch period and signature Yes
Data mismatch debit type and signature Yes
Customer identifier mismatch Yes
Incorrect amount Yes Yes
| API - Data mismatch with customer info and data Yes
LL mandate ot ecalenee
4g | M089 ‘Aadhaar number mismatch in X509 certificate and No Yes
Blom packea HT ‘mismatch in X509 certificate and yy Vag
"30 MO9t | eSign signature is tampered or corrupt No | Yes
51 | mo92 | Signed Content doesnt tally with data mandate No Yes
52 | M093 Aadhaar mapy ped t ) account. number_ No. ‘Yes
10014, The Capital 8 Wing 10h Floor, Bandra Kurla Complex, Sandra, Mumbai 400 051. T: +91 22 40009100 F: 91 2240009101 wmwnpcierain
CIN - U749908H2008NPL 189087