National Automated Clearing House & Mandate Management System

National Automated Clearing House (NACH) is a centralised system, launched by NPCI for facilitating interbank high volume debit/credit transactions, which are repetitive in nature in electronic mode. This is the upgraded version of Electronic Clearing Services (ECS) to National level.


  1. Mandate Management System - MMS allows banks to accept, digitize, process and send the mandate to other banks for acknowledging and registering customer instruction to debit his account with other bank through NACH. After acknowledging by other bank each mandate is allotted with Unique Mandate Reference Number (UMRN). By quoting the UMRN number on specified intervals bank claims the fund from other bank and credit the same to customer account.