Physical mandate delay in mandate response from destination bank

Some physical mandates and eSign eMandates remain stuck in acknowledged status for longer than the prescribed turnaround time, as those destination banks do not respond.

After source is submitted and NPCI creates a mandate in acknowledged status, the mandate moves to accepted or failed status when the destination bank responds. See Mandate statuses and Mandate processing and timelines for more information.

Unfortunately there is a common problem in physical mandate process: destination banks not replying with final mandate status within the prescribed turnaround time.

The turnaround time between NACH Debit mandate acknowledgement (by NPCI) and response (by destination bank) is governed by NPCI NACH Procedural Guidelines. No service provider or sponsor bank has any influence or control over it whatsoever. The destination banks respond when they want to for each and every physical mandate input and eSign mandate input, and if they don't respond within 10 days then NPCI automatically sends 'TAT expired' response mandate rejection. It's coordinated by the clearing house, and no service provider or sponsor bank has any engagement or mechanism to influence a destination bank for a particular mandate.

The average response time across NACH Debit physical mandate is approximately 5 working days. Generally we find private sector banks respond faster on average, and public sector banks respond slower on average. Even within a bank, the response time can vary e.g. State Bank of India has several regional processing centres for responses.

Another less common problem is that sponsor banks may not accurately capture and convey the destination bank responses that NPCI sent.

We regularly follow up with sponsor banks at the platform level for all aged un-responded mandates. We can't comment on why specific mandates have no response. If and when we receive a response, our system automatically updates the mandate status within 30 minutes.

Your options are to:

1. Wait for the destination bank to respond.

2. Submit a new source (you can use the same scan image again, no need to make a new paper mandate).

TAT Expired

NPCI sometimes automatically marks aged acknowledged mandates as turn-around time expired 30 days from the date of acknowledgement if the destination bank has not responded by then. You'll see these as status failed with reason 'ncex'.