What is e-NACH:
e-NACH is a payment tool which is being used by organizations for payment which are repetitive in nature, once the user signs(digitally/net banking/debit card/aadhar based e-sign) the e-NACH, he gives rights to the concerned entity to debit certain amount on a fixed date of a month.
NACH stands for National Automated Clearing House and e-NACH stands for electronic-national automated clearing house
“E-Nach has been launched by NPCI for faster and seamless Mandate registration process”
It’s the newer version of paper-based NACH, e-NACH is used to provide automated payment service, It is widely being used by the government, banks, financial institution
Why e-NACH needed:
Now there is a question why there is a need for eNACH when we already have paper-based NACH/ACH and SI-standing instruction and various other tools for repeat payment, so the answer is e-NACH is the latest and modern process which is paperless and almost zero involvement of human so e-NACH is very fast and chances of error are almost zero.
The old paper-based NACH takes times from 30-45days in enabling the mandate whereas by e-NACH payment mandate can be successful within few hours
e-NACH process flow:
With the advent of e-NACH, the need to fill paper-based NACH form eliminated, with the electronic NACH entire process of the payment mandate can be completed within few hours since there is minimum human interaction and the complete process is is fully automated

Sponsor Banks live in API E-Mandate
- KOTAK BANK LTD
- YES BANK
- UJJIVAN SMALL FINANCE BANK LTD
- INDUSIND BANK
- ICICI BANK LTD
- IDFC FIRST BANK LTD
- HDFC BANK LTD
- EQUITAS SMALL FINANCE BANK LTD
- DEUTSCHE BANK AG
- FEDERAL BANK
- STATE BANK OF INDIA
- CITI BANK
- AXIS BANK
- PAYTM PAYMENTS BANK LTD
- SOUTH INDIAN BANK
- KARNATAKA BANK LTD
- RBL BANK LIMITED
- JANA SMALL FINANCE BANK LTD
- IDBI BANK
- STANDARD CHARTERED BANK
- KARUR VYSA BANK
- THE HONGKONG AND SHANGHAI BANKING CORPORATION LTD
- AU SMALL FINANCE BANK LTD
Destination banks live in API E-Mandate
- KOTAK MAHINDRA BANK LTD
- YES BANK
- IDFC FIRST BANK LTD
- PUNJAB NATIONAL BANK
- INDUSIND BANK
- UJJIVAN SMALL FINANCE BANK LTD
- ICICI BANK LTD
- EQUITAS SMALL FINANCE BANK LTD
- SOUTH INDIAN BANK
- HDFC BANK LTD
- RBL BANK LIMITED
- ANDHRA BANK
- BANK OF MAHARASHTRA
- PAYTM PAYMENTS BANK LTD
- DEUTSCHE BANK AG
- FEDERAL BANK
- KARNATAKA BANK LTD
- STATE BANK OF INDIA
- DHANALAXMI BANK
- DBS BANK INDIA LTD
- TAMILNAD MERCANTILE BANK LTD
- AXIS BANK
- JANA SMALL FINANCE BANK LTD
- CITIBANK N A
- BANK OF BARODA
- STANDARD CHARTERED BANK
- CENTRAL BANK OF INDIA
- IDBI BANK
- INDIAN OVERSEAS BANK
- CITY UNION BANK LTD
- CANARA BANK
- UNION BANK OF INDIA
- THE HONGKONG AND SHANGHAI BANKING CORPORATION LTD
- SYNDICATE BANK
- PUNJAB AND SIND BANK
- KARUR VYSA BANK
- BANDHAN BANK LTD
- THE COSMOS CO-OPERATIVE BANK LTD
- AU SMALL FINANCE BANK
- DCB BANK LTD
- BANK OF INDIA
- JIO PAYMENTS BANK LTD
- THE KALUPUR COMMERCIAL CO OP BANK
- UCO BANK
- VIJAYA BANK
- ALLAHABAD BANK
- ABHYUDAYA CO OP BANK
- THE VARACHHA CO OP BANK LTD
- THE ADARSH CO OP URBAN BANK LTD
- THE CHEMBUR NAGARIK SAHAKARI BANK
- UTKARSH SMALL FINANCE BANK LTD
- UNITED BANK OF INDIA
- INDIAN BANK
- ORIENTAL BANK OF COMMERCE