{"id":4150,"date":"2020-05-28T13:08:40","date_gmt":"2020-05-28T13:08:40","guid":{"rendered":"https:\/\/signdesk.com\/in\/?p=4150"},"modified":"2025-10-28T06:08:54","modified_gmt":"2025-10-28T11:38:54","slug":"npci-allows-esign-based-e-mandate","status":"publish","type":"post","link":"https:\/\/melento.ai\/en-in\/blog\/npci-allows-esign-based-e-mandate","title":{"rendered":"NPCI allows eSign based E-Mandate"},"content":{"rendered":"<h2><span style=\"color: #008000;\"><strong>eSign based E-Mandate<\/strong><\/span><\/h2>\n<p><span style=\"color: #333333; font-size: 16px; font-family: 'open sans';\"><strong>NPCI has now permitted Aadhaar-based authentication for E-Mandates<\/strong>. This is a welcome change after the government body had initially suspended eSign based E-Mandate in a circular released in 2018.<span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/esign-workflow\" target=\"_blank\" rel=\"noopener\"> <strong>E-sign<\/strong><\/a><\/span><\/span><strong> based <span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"https:\/\/melento.ai\/en-in\/enach\" target=\"_blank\" rel=\"noopener\"><strong>E-Mandate<\/strong><\/a><\/span> for all member banks will be launched from June 1, 2020.<\/strong><\/p>\n<p><span style=\"color: #333333; font-size: 16px; font-family: 'open sans';\">This new move will permit customers to authenticate their E-Mandates using Aadhaar-based eSign, and will improve efficiency and the speed at which banks can now process mandates.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-4157 aligncenter\" src=\"https:\/\/melento.ai\/en-in\/blog\/wp-content\/uploads\/2020\/05\/2020-05-29-300x161.jpg\" alt=\"eSign based E-Mandate\" width=\"582\" height=\"312\" \/><\/p>\n<h2><span style=\"color: #008000;\"><strong>How can your bank start using eSign based mandates<\/strong><\/span><\/h2>\n<p><span style=\"color: #333333; font-size: 16px; font-family: 'open sans';\"><b>The circular<\/b><b> released by NPCI states that eSign based mandates will need to have additional validations to use eSign based mandates<\/b><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">. Furthermore, if the data and mandate are not presented as per the specifications issued by NPCI, this will lead to rejection by the central validation systems.\u00a0<\/span><\/span><\/p>\n<p><span style=\"color: #333333; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400;\">The technical specifications provided by NPCI, in a <\/span><span style=\"font-size: 16px; font-family: 'open sans';\">circular<\/span><span style=\"font-weight: 400;\"> released on July 17, 2018, are as follows:\u00a0<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400; color: #333333; font-size: 16px; font-family: 'open sans';\">The Sponsor or Corporate bank must ensure that &#8211;\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; color: #333333;\">The last 4 digits of the customer\u2019s Aadhaar number prefixed with a zero, are captured in open content in XML format<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; color: #333333;\">E-sign tags in the XML format are such that<\/span>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; color: #333333;\">A digital certificate contains the last four digits of Aadhaar number<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; color: #333333;\">Signed content does not contain the Aadhaar number<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; color: #333333; font-size: 16px; font-family: 'open sans';\">The Destination bank must ensure that &#8211; <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; color: #333333;\">Open content data of the mandate is cross-checked with all the signed content except for the Aadhaar<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; color: #333333;\">Last 4 digits of the Aadhaar in the digital signature are matched with the last 4 digits of the Aadhaar linked to the customer\u2019s bank account<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #333333; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400;\">NPCI\u2019s central systems will perform validations to only ensure that the E-Mandates are technically correct. <\/span><b>The responsibility for validating the digital certificates and cross-checking the signed content against the data will both fall on the bank.<\/b> <\/span><\/p>\n<h2><span style=\"color: #008000;\"><strong>Where to start with <a style=\"color: #008000;\" href=\"https:\/\/melento.ai\/en-in\/esign-workflow\">E-Sign<\/a> &amp; <a style=\"color: #008000;\" href=\"https:\/\/melento.ai\/en-in\/enach\">E-Mandate<\/a>?<\/strong><\/span><\/h2>\n<p><span style=\"color: #333333;\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">Both eSign and e-Mandates come with huge benefits for banks, they are cost-effective, quick, digital, and automated. <\/span><b>So where should you start if you\u2019re thinking of making use of E-sign &amp; E-Mandate?\u00a0<\/b><\/span><\/p>\n<p><span style=\"color: #333333; font-size: 16px; font-family: 'open sans';\"><b>You\u2019ve got to start with the best of course!<\/b><\/span><\/p>\n<p><span style=\"color: #333333;\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">Melento (Formerly SignDesk)\u2019s <\/span><a style=\"color: #333333;\" href=\"https:\/\/melento.ai\/en-in\/enach\"><span style=\"font-weight: 400;\">eMandate<\/span><\/a><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> and <\/span><a style=\"color: #333333; font-size: 16px; font-family: 'open sans';\" href=\"https:\/\/melento.ai\/en-in\/esign-workflow\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">eSign<\/span><\/a><span style=\"font-weight: 400;\"> solutions are<\/span><b> in use by the majority of banks in India<\/b><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> and we\u2019ve helped every one of these banks <\/span><b>cut costs by almost 90% and reduce turnaround time by nearly 99%.<\/b><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">\u00a0<\/span><\/span><\/p>\n<p><span style=\"color: #333333; font-size: 16px; font-family: 'open sans';\"><b>Melento (Formerly SignDesk)\u2019s eSign solution allows users to make use of Aadhaar-based authentication to sign documents and our NPCI-compliant E-Mandate solution allows quick and seamless automation.\u00a0<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333333;\">The best eMandate &amp; eSign products in the game is only a click of a button away! Book a demo with us now to learn more about how we can help you win more business.<\/span><\/p>\n<div align=\"center\"><a href=\"https:\/\/melento.ai\/en-in\/talk-to-sales\"><button class=\"wpcf7-form-control wpcf7-submit envor-btn envor-btn-primary envor-btn-normal\" type=\"button\"><strong>Book a Demo<\/strong><\/button><\/a><\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>eSign based E-Mandate NPCI has now permitted Aadhaar-based authentication for E-Mandates. This is a welcome change after the government body had initially suspended eSign based E-Mandate in a circular released in 2018. E-sign based E-Mandate for all member banks will be launched from June 1, 2020. This new move will permit customers to authenticate their [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6056,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page_templates\/blog-new-3.php","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[15,16],"tags":[101,837,885,919,981,1091],"class_list":["post-4150","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emandate","category-esign","tag-aadhar-based-emandate","tag-elecronic-signature","tag-emandate","tag-enach","tag-esign","tag-esignature"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NPCI allows eSign based eMandate -Aadhaar based eSign<\/title>\n<meta name=\"description\" content=\"Sign documents online with Melento (formerly SignDesk). 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