Nec nunonat mn CoWoeoi OF noe NPCI/2017-18/NACH/Circular No. 274 March 08, 2018 To AUNACH member banks Change in Return codes and descriptions in NACH In view of feedback from different sources it has been decided to modify the descriptions of few Return reason codes, further a few returns codes are blocked in the system as the same convey the same meaning and hence appears to be duplication. Change in Return codes descriptions The descriptions have been modified for the following return codes: II. No.|code | Existing descripti ae . No|Code | Existing descriptions ape cn evised descriptions lAccount Closed or 1 peo Yes Yes [account closed [A/c Inactive (No 2 | s3}transactions for last 3 Yes Yes Account inoperative ths) [Dormant Ave (No 3. | Séffransactions for last 6 Yes Yes PPormant account ths) imple Account, First mall account, First 4 | seftransaction to be from Yes Yes Transaction to be from Base Branch Base Branch Invatid Account linvatid account Type 5 71 NRE/PPF/CC/Loan/FD)| es Yes _|(NRE/PPF/CC/Loan/FD Comprehensive list of return and reject codes are provided in Annexure | & Il respectively. Banks are advised to take extra care while returning the transactions with the reasons mentioned in Annexure Ill which are avoidable. Central and State Governments have expressed difficulties in remittance of social security benefits to the beneficiaries due to some returns which should not occur. Hence banks are advised to review their internal guidelines in view of RBI notifications and eliminate returns with the reasons mentioned in Annexure IV. All the member banks are advised to take note of the amendments and make necessary changes in their system.Nec asionas pants COMOEEN OF ‘The changes will be made effective from April 1, 201 This circular is issued in supersession of circular number 164A dated June 17, 2016. ar GM (SVP - CTS & NACH Operations) Tee91 22 c0009100 F: 9 101 waw.npe.og.in Cit Ur4990MHz008NPL 189087Annexure I Return code Return description ACH Credit | ACH Debit | # ECS Debit 1 | Account closed Yes Yes Yes Yes 2. No Such Account Yes Yes NA Yes ‘Account Description Does not 3 | Tally Yes NA [Yes 4 | Balance Insufficient NA [Yes Yes Miscellaneous - Others i [NA NA NA Not Arranged For NA Yes_ NA NA 5 | Not Arranged For/Exceeds - Arrangement NA NA NA Yes 6 | Payment Stopped by Drawer _| NA Yes NA (ves nenmal| | Payment Stopped under Court | Order/ Account Under | 7 | Litigation’ [na Yes NA Yes 8 | Mandate Not Received NA Yes NA Yes 9 | Miscellaneous - Others NA NA NA Yes 11 | Invalid IFSC/MICR Code Yes Yes NA. NA ‘Mismatch in mandate | 12 | frequency [NA Yes NA [a | Duplicate transaction - | transaction already debited either under ACH or NACH 13 | debit (ECS) NA Yes NA NA 14| Mandate expired NA Yes NA NA Incorrect amount-Mismatch between mandate & 15 | transaction NA Yes NAL NA 16 | Customer name mismatch | NA Yes |NA NA Returned as per customer | 17 | request NA Yes NA NA 51 | KYC Documents Pending Yes Yes Yes NA Documents Pending for 52|| Account Holder turning Major | Yes Yes Yes NA 53 | Account inoperative Yes Yes Yes NA [754 [Account dormant Yes Yes Yes NA | Alc in Zero Balance/No EZ | Transactions have Happened, First Transaction in Cash or | Self Cheque Yes Yes_ Yes NA| Small account, First Transaction to be from Base 56 | Branch Yes Yes Yes NA ‘Amount Exceeds limit set on Account by Bank for Credit 57 [Bet Transaction | Yes NA Yes ‘Amount Exceeds limit set on Account by Bank for Debit per |__| Transaction NA Yes NA NA ‘Account reached maximum Credit limit set on account by 5g [Bank Yes NA Yes NA ‘Account reached maximum Debit limit set on account by Bank NA. | Yes NANA 59 | Network Failure (CBS) Yes Yes Yes NA 60 | Account Holder Expired Yes Yes Yes NA 61 | Mandate Cancelled NA. Yes NA NA 62 | Account Under Litigation Yes NA. Yes NA ‘Aadhaar Number not Mapped 64 | to Account Number _ [NA NA Yes NA “65 | Account Holder Name Invatid_| Yes NA NA. _[ Na 68 | A/c Blocked or Frozen Yes Yes Yes NA 69 | Customer insolvent / insane _| Yes Yes Yes NA Customer to refer to the 7 70 | branch Yes Yes NA Invalid account type 71 | (NRE/PPF/CC/Loan/ Yes_ NA NAAnnexure Il [Reason code ~__ Reason description 21 | Invalid UMRN or inactive mandate 22 | Mandate not valid for Debit transaction 23 | Mismatch in mandate debtor account number 24 | Mismatch in mandate debtor bank 25 | Mismatch in mandate currency 26 | Amount exceeds mandate max é 27 | Mandate amount mismatch 28 | Date is before mandate start date 29 | Date is after mandate end date [ term unwound | Invalid Aadhaar format Item marked pending Transaction has been cancelled by user Invalid currency Participant not mapped to the product Invalid transaction code “Amount is Zero 34 | Invalid amount 31 | Duplicate reference number _ Invalid date Settlement failed Invalid file format Invalid Bank Identifier 79 | File sent after EOD and before SOD 96 | Aadhaar mapping does not exist/Aadhaar number not mapped to lIN 81 | Product is missing ____ 83 | Unsupported field _ 84 | Invalid data format, ____87 | Missing original transaction Invalid original transaction 89 | Original date mismatch 90 | Amount does not match with original 91 | Information does not match with original 92 | Core error 93 | Wrong clearing house name in SFG 95 | Inactive AadhaarWrong IN 7 Bad batch corporate user number/name 98. Bad item corporate user number/name 9. Too many mark pending returns Item cancelledAnnexure Ill SI. No. Return Reason ‘Aetionable Account Closed or Transferred Bank should have an automated process to |deseed such Aadhaar number from NPCI Mapper jafter account is closed JAadhaar Number not Mapped to Account Number Banks are seeding NPCI mapper without linking |the Aadhaar in CBS or have wrong return reason Imapping in CBS. Banks should reconcile the JAdhaar dump as per CBS and Aadhaar mapper Jdump and seed/deseed the Adhaar number invalid Account |(NRI/NRE/PPF/CC/Loan/FD) [Aadhaar numbers should not be seeded with this type of account [Account Holder Expired [Bank should have an automated process to Jdeseed such Aadhaar numbers from Mapper /Bank should not return transactions with thi reason as NPCI have provided a facility of Network Failure (CBS) lextensionAnnexure IV Code | Descriptions RBI Circular = Guidelines ‘Banks are advised to ensure that accounts of all student beneficiaries under the various Central/State Government Scholarship Schemes pear | RBI/2014- oe from ee of ‘minimum balance ending for and ‘total credit limit’. sz| account "| 13/226,RPco,RR8.8CB.8. | He cepaate product coe n CBS to account Holder f opened by the beneficiaries under the various turning Major dated September 10, 2014 Central/State Government Schemes including Scholarship schemes for students so that the stipulation of inoperative/dormant account due to non-operation does not apply. ‘Appropriate steps tobe taken including | allotment of aciferent ‘product code" in their 53 Account G85 to al such account so that stipulation of ur2013-14/262.p800.No, | Meratve secounts/dermant account de to | RBL/2013-14/262.D800.No.| Nor cperaton forever pered af year oes Leg 853/08.07.05/2013 | pe apy nite reing the proceess to sich RBI/2012 2 accounts for cheques, DBT, EBT, Scholarships, Tee co cmc | Beto taones eco et ide Cental ond | State Government benef Schemes s4 | Dormant | 2/07.51.01472013-14 dated | oer to etace a of fraud ete in such : dcounts, white allowing gperatons in these Becounts, due diligence shouldbe oxeretsed by ensuring the genuineness of transactions, _ ee | oa nestiorot ss pues! senses cote ‘Account Role of destination banks is limited affording | 3 | holder name credit to beneficiary's account based on details a furnished by the remiter originating bank - 11/235/DPSS(CO)EPPD Reliance willbe only on account number for Account No,/863/04,03.01/2010-11 | #fording credit. ‘The benefitary name details may be used for 65 | description | dated Oct 14, 2010 verification based on risk perception, value of et arate nature of trarsten pon-areae checking.