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: U74990MH2008NPL189087Nec) 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 199067Nec) 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