RBI expands e-mandate framework to include auto-replenishment for FASTag and NCMC

The Reserve Bank of India will now include auto replenishment of FASTag and the National Common Mobility Card (NCMC), in an aim to streamline recurring transactions that lack fixed periodicity. This update takes effect immediately.

The RBI announced on Thursday that auto replenishment of balances in FASTag and NCMC, which trigger whenever the balance drops below a customer-defined threshold, will now be covered under the existing e-mandate framework.

"It has been decided to include auto-replenishment of FASTag and NCMC, as and when the balance falls below a threshold set by the customer, under the e-mandate framework. Payments for auto-replenishment, since they are recurring in nature but without any fixed periodicity, will be exempt from the requirement of pre-debit notification," said RBI in the circular.


The e-mandate framework was established in 2019 and was designed to safeguard customers by ensuring that they are informed of upcoming debits to their accounts.