NPCI Plans Unified E-Mandate Tracking Feature Across All UPI Payment Apps

The National Payments Corporation of India (NPCI) is developing a system that would allow users to view their UPI e-mandates across multiple payment applications, as per an Economic Times report.  

The feature is expected to be available on all third-party UPI applications and is for making recurring payment instructions easier to track. At present, users often need to visit different apps to check active mandates linked to subscriptions, utility payments, insurance premiums, and investment contributions. 

Mandates to Remain Linked to Original App 

Reports citing people familiar with the matter said the proposed system will only provide visibility of mandates across platforms.  

If a customer wishes to cancel, pause or modify a mandate, the request will continue to be processed through the application where the mandate was originally created. 

Users selecting a mandate from another UPI application will be redirected to the parent app for further action. The arrangement is to maintain the existing mandate structure while providing a consolidated view. 

AutoPay Transactions Rise Sharply 

This comes as UPI AutoPay continues to record higher transaction volumes. According to NPCI data, the top 10 banks processed around 1.6 billion e-mandate transactions in May. In the same month last year, the figure stood at 577 million transactions. 

The increase is indicative of wider use of recurring digital payments across categories such as entertainment subscriptions, utility services, insurance products, and investment plans. 

Approval Rates Continue to Lag 

While transaction volumes have grown, approval rates remain relatively low. Data showed that only about 30% of e-mandate transactions routed through State Bank of India were approved, while the remaining transactions were declined. 

A significant share of the rejected transactions was linked to insufficient balances and other business-related issues. State Bank of India, Airtel Payments Bank and Bank of Baroda are among the major banks facilitating UPI e-mandates. 

Broader UPI Developments 

NPCI has introduced several initiatives around recurring payments in recent years. In 2025, it launched a chatbot-based platform to address customer queries related to e-mandates through a centralised system. 

The organisation is also working on a common soundbox interface for merchants as it continues to add services and payment-related features within the UPI ecosystem. 

Read More: India’s Asset-Backed Securities Issuance Hits Record ₹1.53 Trillion as Foreign Banks Increase Purchases! 

Conclusion 

NPCI is developing a system that will allow users to view e-mandates across UPI applications through a single interface. Any modification or cancellation of a mandate will continue to be handled through the app where it was originally created. 

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