{"id":18950,"date":"2026-01-08T20:00:55","date_gmt":"2026-01-08T14:30:55","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=18950"},"modified":"2026-03-23T22:47:29","modified_gmt":"2026-03-23T17:17:29","slug":"how-to-cancel-e-mandate","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/","title":{"rendered":"How To Cancel e-Mandate: A Complete Guide for 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">An <\/span><a href=\"https:\/\/razorpay.com\/blog\/what-is-razorpay-emandate\/\"><span style=\"font-weight: 400;\">e-mandate<\/span><\/a><span style=\"font-weight: 400;\"> is an automatic payment permission. It allows lenders to take <a href=\"https:\/\/razorpay.com\/learn\/what-is-emi\/\">EMI<\/a> payments directly from your bank account. Cancelling an e-mandate means stopping this <\/span><span style=\"font-weight: 400;\">automatic payment<\/span><span style=\"font-weight: 400;\"> arrangement. This cancellation might be necessary when you&#8217;ve completely repaid your loan or need to change your repayment bank account.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69ee435dcb4fb\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69ee435dcb4fb\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#How_to_Cancel_a_NACH_Mandate_or_Auto_Debit_Online\" >How to Cancel a NACH Mandate or Auto Debit Online<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#Alternative_Methods_to_Cancel_an_e-mandate\" >Alternative Methods to Cancel an e-mandate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#How_To_Cancel_e-mandate_SBI\" >How To Cancel e-mandate SBI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#How_To_Cancel_e-mandate_In_ICICI_Bank_Online\" >How To Cancel e-mandate In ICICI Bank Online<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#How_To_Cancel_e-mandate_In_Canara_Bank_Online\" >How To Cancel e-mandate In Canara Bank Online<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#How_To_Cancel_e-mandate_In_Indusind_Bank\" >How To Cancel e-mandate In Indusind Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#How_To_Cancel_e-mandate_In_Kotak_Mahindra_Bank\" >How To Cancel e-mandate In Kotak Mahindra Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#NPCI_Guidelines_For_Mandate_Cancellation\" >NPCI Guidelines For Mandate Cancellation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#Important_Things_To_Keep_In_Mind_While_Cancelling_An_E_Mandate\" >Important Things To Keep In Mind While Cancelling An E Mandate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-e-mandate\/#Frequently_Asked_Questions_FAQS\" >Frequently Asked Questions (FAQS)<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Cancel_a_NACH_Mandate_or_Auto_Debit_Online\"><\/span>How to Cancel a NACH Mandate or Auto Debit Online<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can stop the auto-debit payments for a particular <a href=\"https:\/\/razorpay.com\/learn\/what-is-payment-schedule\/\">payment schedule<\/a> instead of cancelling the entire e-mandate. This approach eliminates the need to complete a new setup process. To ensure successful cancellation and prevent any unintended debits, you must submit your e-mandate cancellation request a minimum of three working days before the scheduled debit date.<\/span><\/p>\n<h3><b>Click on Delete mandate<\/b><\/h3>\n<p><b>Step 1<\/b><span style=\"font-weight: 400;\">: Log in to your bank&#8217;s official online platform or mobile application. Navigate to the &#8220;Mandates&#8221; section, which can typically be found within your account settings or payment options menu.<\/span><\/p>\n<p><b>Step 2:<\/b><span style=\"font-weight: 400;\"> Within the mandates section, you will find a list of your active mandates. Identify the specific mandate you wish to delete.<\/span><\/p>\n<p><b>Step 3:<\/b><span style=\"font-weight: 400;\"> Select the &#8220;Delete&#8221; option for your chosen mandate. The system will display a confirmation prompt to verify your decision.<\/span><\/p>\n<h3><b>Confirm the request<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">After clicking &#8220;Delete,&#8221; you&#8217;ll need to confirm that you want to cancel your <a href=\"https:\/\/razorpay.com\/learn\/what-is-auto-debit\/\">auto debit<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This extra step helps protect you from accidentally deleting auto-debits you want to keep.<\/span><\/p>\n<h3>Via NetBanking:<\/h3>\n<p><strong>Step 1 :<\/strong> Log into your bank&#8217;s portal<\/p>\n<p><strong>Step 2 : <\/strong>Go to &#8216;Cards\/Payments&#8217;<\/p>\n<p><strong>Step 3 : <\/strong>Select &#8216;Mandates\/Standing Instructions&#8217;<\/p>\n<p><strong>Step 4 :<\/strong>Click Delete.<\/p>\n<h3><strong>Via UPI Apps (GPay\/PhonePe\/Paytm):<\/strong><\/h3>\n<p><strong>Step 1 :<\/strong> Open your UPI App<\/p>\n<p><strong>Step 2:<\/strong> Go to Profile\/Settings<\/p>\n<p><strong>Step 3:<\/strong> Select &#8216;Autopay\/Mandates&#8217;<\/p>\n<p><strong>Step 4:<\/strong> Select the merchant<\/p>\n<p><strong>Step 4:<\/strong> Click &#8216;Pause&#8217; or &#8216;Remove Autopay&#8217;.<\/p>\n<h3>Via Merchant\/Service Provider:<\/h3>\n<p>Log directly into the app (e.g., Netflix, Mutual Fund app) and remove the payment method from billing settings.&#8221;<\/p>\n<h3><b>Mandates that are under process show up with the Pending Cancellation status<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Mandates that are being processed for deletion will display a &#8216;Pending Cancellation&#8217; status. It may take up to 5 working days for the <\/span><a href=\"https:\/\/razorpay.com\/blog\/direct-debit-mandate\/\"><span style=\"font-weight: 400;\">direct debit mandate<\/span><\/a><span style=\"font-weight: 400;\"> to be completely deleted from the system.<\/span><\/p>\n<h3><b>How to Cancel e-mandate<\/b><b> on NACH Platforms? A Step-by-Step Guide<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Log into your bank&#8217;s digital platform using your credentials and complete the necessary <a href=\"https:\/\/razorpay.com\/learn\/what-is-authentication\/\">authentication<\/a> through password, OTP, or other verification methods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Navigate to the &#8220;Mandates&#8221; section, which can typically be found within your account settings or payment options menu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">From the displayed list of active mandates, select the specific mandate you wish to cancel and verify the basic account details including your <a href=\"https:\/\/razorpay.com\/learn\/bank-account-number\/\">bank account number<\/a>, account type, and IFSC\/MICR code.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review the cancellation warning message that appears as a pop-up, and provide your confirmation to proceed with the <\/span><span style=\"font-weight: 400;\">e-mandate cancellation<\/span><span style=\"font-weight: 400;\"> request.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Upon initiation of the cancellation process, you will receive an SMS notification on your registered mobile number confirming that you&#8217;ve started the <\/span><span style=\"font-weight: 400;\">e-mandate cancellation<\/span><span style=\"font-weight: 400;\"> process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your bank will process this request by submitting the cancellation file through its sponsor bank to the NACH platform on the same day of receiving your request.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can choose to process this cancellation either online through your bank&#8217;s platform (if available) or by visiting your bank branch, utility company, mutual fund house, or other relevant institution.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The bank will process the NACH response once received and update the status of your cancellation request in their system to reflect the current stage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Upon successful cancellation, you&#8217;ll receive a final confirmation SMS containing your UMR number, entity name, last 4 digits of account number, purpose of mandate, and the effective cancellation date.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your bank will update its records to stop all future transactions under this mandate and maintain the cancellation record in its system for future reference.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_Methods_to_Cancel_an_e-mandate\"><\/span><b>Alternative Methods to Cancel an e-mandate<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>1. Via the Service Provider\/Company<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contact the company or service provider who initiated the mandate directly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Log into the service provider&#8217;s portal or NACH platform to access the mandate section.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the mandate you wish to cancel from your active mandates list.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complete the identity verification process using OTP or other authentication methods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm your cancellation request through the platform.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For UPI-based mandates, open your UPI app and locate the mandate management section.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancel the e-mandate<\/span><span style=\"font-weight: 400;\"> using your <a href=\"https:\/\/razorpay.com\/learn\/what-is-a-upi-pin\/\">UPI PIN<\/a> for authentication.<\/span><\/li>\n<\/ol>\n<h3><b>2. Through Banking Channels<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access your bank&#8217;s net banking portal to find the e-mandate management section.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose the <\/span><span style=\"font-weight: 400;\">bank mandate<\/span><span style=\"font-weight: 400;\"> you want to cancel from the list.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Follow the authentication steps provided by your bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Store the confirmation details for your records.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit your local bank branch if online methods aren&#8217;t suitable.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bring necessary documentation including mandate details and ID proof.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submit your cancellation request at the branch.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get an acknowledgement receipt from the bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monitor your account to ensure the cancellation is processed.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Cancel_e-mandate_SBI\"><\/span><b>How To Cancel e-mandate<\/b><b> SBI<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter your account credentials to access your account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On the website, locate and select the &#8216;Recurring Transaction&#8217; option in the sidebar menu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If using the mobile application, navigate to &#8216;Services&#8217;, then select &#8216;Manage Recurring Transaction&#8217; from the menu options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the &#8216;Proceed&#8217; button to continue.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review the terms and conditions, then confirm by selecting &#8216;Proceed&#8217;.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Locate your desired e-mandate and click the &#8216;View&#8217; option next to it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To adjust the maximum amount or expiration date of your e-mandate, select the &#8216;Edit&#8217; option.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complete the modification by inputting the OTP sent to you.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Cancel_e-mandate_In_ICICI_Bank_Online\"><\/span><b>How To Cancel e-mandate In ICICI Bank Online<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access your ICICI Bank account through their online banking portal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Navigate to the Customer Service menu and locate Service Requests in the dropdown options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Among the available request types, select the option for cancelling ECS\/NACH mandates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use the dropdown list to choose your relevant savings account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">From the displayed mandates, mark the checkbox corresponding to your loan&#8217;s ECS arrangement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review and accept the terms stated in the declaration section.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proceed by clicking the &#8216;Submit&#8217; button.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Input the OTP delivered to your registered phone.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complete the process with a final submission to terminate the ECS mandate.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Cancel_e-mandate_In_Canara_Bank_Online\"><\/span><b>How To Cancel e-mandate In Canara Bank Online<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit directly at https:\/\/www.sihub.in\/managesi\/canara or go through the Canara Bank website (www.canarabank.com).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Log into your account using your credentials.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ensure your e-mandate registration is completed first.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancel e-mandates as needed once logged in.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Cancel_e-mandate_In_Indusind_Bank\"><\/span><b>How To Cancel e-mandate In Indusind Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit https:\/\/www.indusind.com\/content\/enach\/welcome.html.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Look for &#8220;How do I cancel a Mandate(s)&#8221;.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Click on the &#8220;Click Here&#8221; link under this section.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide your registered mobile number when prompted.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Follow the on-screen instructions to complete the cancellation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verify any confirmation messages or OTPs if required.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ensure you receive a confirmation of the cancellation.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Cancel_e-mandate_In_Kotak_Mahindra_Bank\"><\/span><b>How To Cancel e-mandate In Kotak Mahindra Bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For Online Banking Users:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access your online banking account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Navigate to the Services section.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Under Account Services, find and select <a href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-nach-mandate\/\">NACH Cancellation<\/a> to view your active NACH mandates.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0For Mobile App Users:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sign in to your banking app.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access the &#8216;Services&#8217; menu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Look for &#8216;Account Services&#8217;, then choose &#8216;NACH Cancellation&#8217; to see your current NACH authorisations.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"NPCI_Guidelines_For_Mandate_Cancellation\"><\/span><b>NPCI Guidelines For Mandate Cancellation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access the system by authenticating yourself through multiple steps, including username, password, and one-time code.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Browse through all mandates linked to your account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose specific mandates for termination after completing the authentication process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review and approve the termination request when prompted by the confirmation window.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expect a text message confirming that your <a href=\"https:\/\/razorpay.com\/blog\/how-to-cancel-nach-mandate\/\">NACH mandate cancellation<\/a> process has begun.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The institution will process and dispatch the termination documents to their affiliated bank that same day.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You&#8217;ll receive status updates once the NACH system responds through the sponsor bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Look for a confirmation message on your phone when the mandate is successfully terminated.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The system should be updated to remove all future transactions associated with the cancelled mandates.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Important_Things_To_Keep_In_Mind_While_Cancelling_An_E_Mandate\"><\/span><strong>Important Things To Keep In Mind While Cancelling An E Mandate<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>Cancellation vs. Schedule Cancellation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you only want to stop a specific payment without cancelling the entire e-mandate, you have the option to cancel just that <a href=\"https:\/\/razorpay.com\/learn\/what-is-payment-schedule\/\">payment schedule<\/a>. This way, you can reuse the same mandate for future transactions without needing to set it up again.<\/span><\/p>\n<h3><b>Documentation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Keep records of your cancellation request and any confirmations received from your bank or service provider. This documentation can be important if any disputes arise later on.<\/span><\/p>\n<h3><b>Impact on Future Transactions<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Understand that cancelling an e-mandate will prevent any future automatic deductions under that mandate. If you need to resume payments later, you will have to set up a new e-mandate.<\/span><\/p>\n<p style=\"text-align: center;\"><a style=\"background-color: #1a73e8; color: #ffffff; font-weight: 800; padding: 7px 15px; border-radius: 7px; font-size: 16px; text-decoration: none; display: inline-block; white-space: nowrap;\" href=\"https:\/\/razorpay.com\/international-payment-gateway-india\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=internationalpayments\">Explore Razorpay&#8217;s Global Payment Solutions<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQS\"><\/span><b>Frequently Asked Questions (FAQS)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>1. How do I cancel my e-mandate online?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">There are two ways to cancel your NACH (National Automated Clearing House) mandate:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through your financial institution or your bank.<\/span><\/p>\n<h3><b>2. Can I delete an e-mandate?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can delete an e-mandate, and the process varies depending on the platform or financial institution you are using.<\/span><\/p>\n<h3><b>3. What is an e-mandate cancellation request?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">An e-mandate cancellation is terminating an automated payment authorisation that allows organisations to deduct recurring payments directly from your bank account.<\/span><\/p>\n<h3><b>4. Can I cancel an e-mandate without contacting the service provider?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can cancel an e-mandate independently through your bank&#8217;s online banking platform or through your bank&#8217;s mobile banking app.<\/span><\/p>\n<h3><b>5. Is there a fee for cancelling an e-mandate?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Generally, there are no charges for cancelling an e-mandate. However, some financial institutions or third-party platforms might have service charges or processing fees.<\/span><\/p>\n<h3><b>6. Can I modify an existing e-mandate instead of cancelling it?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, modification is possible and it may vary by service provider. You can usually adjust the payment amount, payment frequency, and duration of the mandate Note: Modification options.<\/span><\/p>\n<h3><b>7. Will I receive a confirmation after cancelling an e-mandate?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you will receive confirmation through SMS notification, email confirmation, and updated status in your online banking portal.<\/span><\/p>\n<h3><b>8. Can I reactivate a cancelled e-mandate?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Reactivation is possible based on your bank&#8217;s specific reactivation procedures.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An e-mandate is an automatic payment permission. It allows lenders to take EMI payments directly from your bank account. Cancelling an e-mandate means stopping this automatic payment arrangement. This cancellation might be necessary when you&#8217;ve completely repaid your loan or need to change your repayment bank account. How to Cancel a NACH Mandate or Auto<\/p>\n","protected":false},"author":128,"featured_media":22282,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[723,797],"class_list":{"0":"post-18950","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-e-mandates","9":"tag-e-nach"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/18950","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/128"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=18950"}],"version-history":[{"count":15,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/18950\/revisions"}],"predecessor-version":[{"id":26408,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/18950\/revisions\/26408"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/22282"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=18950"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=18950"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=18950"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}