The National Payments Corporation of India (NPCI) on October 18, 2024, issued the notification regarding the Emandate Authentication through Simplified Aadhaar.
The following has been stated namely: -
• Simplified Aadhaar with limit of Rs. 15,000 has been introduced where UIDAI authentication will not be required and banks shall send OTP to the customer on registered mobile number for authentication, post successful OTP validation mandate will be registered.
• Aadhaar based mandate (where mandate value is above 15,000 up to Rs. 1 Cr): The uidaiAuthenticated flag value shall be 'Y' the banks must necessarily validate this value before taking up the mandate request for processing and registration. If the value is anything other than 'Y' such registration requests shall be rejected by the bank.
• Simplified Aadhaar mandate (where mandate value is up to Rs. 15,000): For authentication under Simplified Aadhaar mechanism banks shall follow the existing validations of Aadhaar based authentication with the only difference of uidaiAuthenticated flag value can be N or Y.
• NPCI shall depending on the regulatory and other approvals will decide on the following:
o UIDAI validation requirement for different categories of Aadhaar based mandate
o Limit of amount for simplified mandate. Detailed process flow is provided in Annexure I and Technical specifications are provided in the Annexure-II.
[Notification No. NPCI/2024-25/NACH/003]
