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NACH Registration Error Codes

Mode: NPCI ONMAGS API e-Mandate (Debit Card/Netbanking/Real-time Aadhaar)

Error CodeDescription
AP01Account blocked
AP02Account closed
AP03Account frozen
AP04Account Inoperative
AP05No such account
AP06Not a CBS act no. or old act no. represent with CBS no
AP07Refer to the branch_KYC not completed
AP08Account Holder Name Mismatch with CBS
AP09Account type in mandate is different from CBS
AP10Amount Exceeds E-mandate Limit
AP11Authentication Failed
AP12Amount of EMI more than limit allowed for the acct
AP13Invalid monthly EMI amount. Full loan amt mentioned
AP14Invalid User Credentials
AP15Mandate Not Registered_ not maintaining req balance
AP16Mandate Not Registered_Minor Account
AP17Mandate Not Registered_NRE Account
AP18Mandate registration not allowed for CC account
AP19Mandate registration not allowed for PF account
AP20Mandate registration not allowed for PPF account
AP21Payment stopped by attachment order
AP22Payment stopped by court order
AP23Rejected as per customer confirmation
AP24Withdrawal stopped owing to death of account holder
AP25Withdrawal stopped owing to insolvency of account
AP26Withdrawal stopped owing to lunacy of account holder
AP27Invalid frequency
AP28Generic mandate registration failed reason
AP29Technical errors or connectivity issues at backend
AP30Browser closed by customer in mid-transaction
AP31Mandate registration not allowed for Joint account
AP32Mandate registration not allowed for wallet account
AP33User rejected the transaction on pre-Login page
AP34Account No not registered with Netbanking facility
AP35Debit card validation failed due to_Invalid cardno
AP36Debit card validation failed due to_Invalid expiry
AP37Debit card validation failed due to_ Invalid PIN
AP38Debit card validation failed due to_ Invalid CVV
AP39OTP invalid
AP40Maximum tries exceeded for OTP
AP41Time expired for OTP
AP42Debit card not activated
AP43Debit card Blocked
AP44Debit card Hotlisted
AP45Debit card Expired
AP46No response received from customer while performing
AP47Account No registered for only view rights in Netbanking
AP48Aadhaar number Does not Match with debtor Account number
AP51Aadhaar number not linked with the debtor Account number

Note: 000 = Success [Aadhaar number matches with Aadhaar linked with debtor account number Validation passed]

Additional Technical Errors returned by NPCI ONMAGS

Error CodeDescription
151Merchant Xmlns name empty or incorrect
152Merchant MsgId empty or incorrect
153Merchant CreDtTm empty or incorrect
154Merchant ReqInitPty Id empty or incorrect
155Merchant CatCode empty or incorrect
156Merchant UtilCode empty or incorrect
157Merchant CatDesc empty or incorrect
158Merchant ReqInitPty name empty or incorrect
159Merchant MndtReqId empty or incorrect
160Merchant SeqTp empty or incorrect
161Merchant Frqcy empty or incorrect
162Merchant FrstColltnDt empty or incorrect
163Merchant FnlColltnDt empty or incorrect
164Merchant ColltnAmt ccy type empty or incorrect
165Merchant ColltnAmt empty or incorrect
166Merchant MaxAmt ccy type empty or incorrect
167Merchant MaxAmt empty or incorrect
168Merchant Creditor name empty or incorrect
169Merchant Creditor Acc No empty or incorrect
170Merchant Creditot MmbId empty or incorrect
171Merchant MnadateReqId empty or incorrect
172Merchant Creditor Acc No empty
173Merchant Info not available
174Merchant ReqInitPty not available
175Merchant Creditor Acc Details not available
176Merchant GrpHdr not available
177Merchant Mndt not available
178Merchant MndtAuthReq empty or not available
179Merchant CheckSum validation failed
180Merchant Signature validation failed
181Error in decrypting Creditor Acc No
182Error in decrypting FrstColltnDt
183Error in decrypting FnlColltnDt
184Error in decrypting ColltnAmt
185Error in decrypting MaxAmt
186Merchant Invalid request
187Merchant Id empty or incorrect
188Merchant ManReqDoc incorrect
189Merchant CheckSum empty or not available
190Merchant Signature not found
191Merchant GrpHdr missing some tag
192Merchant ReqInitPty missing some tag
193Merchant Mndt missing some tag
194Merchant CrAccDtl missing some tag
195Merchant Certificate not found
196Merchant Signature algorithm incorrect
197Merchant Signature Digest algorithm incorrect
198Merchant first date is after the final date
199Merchant CrAccDtl not available
200Merchant first date not available
201Merchant final date not available
202Merchant first date empty
203Merchant final date empty
204Merchant ManReqDoc empty not available
206Merchant ColltnAmt and MaxAmt empty
207Merchant ColltnAmt and MaxAmt exist
251Bank Request is invalid
252Bank xmlns is empty or incorrect
253Bank Response type is not available or empty
254Bank Check sum is not available or empty
255Bank Mandate request document is incorrect
256Bank id not available or empty
257Error in decrypting Accepted value
258Error in decrypting Accepted Ref Number
259Error in decrypting Reason Code
260Error in decrypting Reason Description
261Error in decrypting Rejected By
263Error code not available in Error Xml
264Error description not available in Error Xml
265Rejected By not available in Error Xml
266Mandate Error Resp not available in Error Xml
267CheckSum validation failed
268Bank UndrlygAccptncDtls not available
269Bank GrpHdr empty or not available
270Bank MsgId empty or incorrect
205MerchantId not in approved list
271Bank CreDtTm empty or incorrect
272Bank ReqInitPty empty or incorrect
273Bank OrgnlMsgInf not available
274Bank MndtReqId empty or incorrect
275Bank UndrlygAccptncDtls CreDtTm empty or incorrect
276Bank Accptd empty
277Bank AccptRefNo empty or incorrect
278Bank RjctRsn not available
279Bank RjctRsn ReasonCode not empty
280Bank RjctRsn ReasonDesc not empty
281Bank RjctRsn RejectBy not empty
282Bank RjctRsn ReasonCode empty or incorrect
283Bank RjctRsn ReasonDesc empty or incorrect
284Bank RjctRsn RejectBy empty or incorrect
285Bank Certificate not found
286Bank IFSC Code incorrect
287Bank RespType is incorrect
288Bank GrpHdr missing some tags
289Bank UndrlygAccptncDtls missing some tags
290Bank OrgnlMsgInf missing some tags
291Bank IFSC tag is missing
292Bank DBTR not available
293Bank AccptncRslt not available
294Bank RjctRsn missing some tags
295Bank ManReqDoc not available or empty
296Bank Accptd type incorrect
297Bank Signature not available
298Bank Signature Digest algorithm incorrect
299Bank Signature validation failed
300Bank Signature algorithm incorrect
262Bank NPCI Ref id empty or incorrect
301BankId not in approved list
208Merchant Catcode not in approved list
209Merchant MsgId is duplicate
302Bank MsgId is duplicate
210Merchant Frequency type is invalid
211Merchant Sequence type is invalid
212Merchant Cat Description is not approved list
303Bank Accepted Ref number is duplicate
213Merchant UtilCode is not in approved list
214Merchant Req Pay ID not in approved list
215Merchant Creditor Acc Details name not in approved list
216Merchant Occurences is empty
217Merchant Debitor name empty or incorrect
218Merchant Debitor Account number empty or incorrect
219Merchant Debitor is missing some tags
220Merchant Debitor Acc No empty
221Merchant Debitor Acc not available
222Merchant Creditor and Debtor account number is same
305Bank Response time out
223Merchant info id, util and creditor account number are not equals
234Merchant Creditor account number is not in approved list
235Merchant Mandate ID is duplicate
236Merchant Debitor Account number decrypt Error
237Merchant Decrypt Error
238Merchant Bank id not available
239Merchant Bank id not in approved list
240Merchant Bank debit flag error
472Invalid authmode received
476Sponsor Bank Not in Approved List for Corporate
477SpnBank not certified
478DestBnk not certified
480Spn DestBnk not certified
481Dest SpnBnk not certified
486No Variant is eligible for Selection
487No Variant is eligible for Selection
493Merchant Req Frqncy validation Error
494Invalid Frqncy tag value
495First collection date invalid
496Final collection date invalid
497SpnBank not certified for the variant
498DestBank not certified for the variant
508Merchant creditor Phone number empty or incorrect
509Merchant creditor Mobile number empty or incorrect
510Merchant creditor Email ID empty or incorrect
511Merchant creditor Pan number empty or incorrect
512Merchant creditor Phone number encryption error
513Merchant creditor Mobile number encryption error
514Merchant creditor Email Id encryption error
515Merchant creditor Pan number encryption error
516Merchant creditor Phone Number is invalid
517Merchant creditor Mobile Number is invalid
518Merchant creditor Account Type is invalid
519Merchant creditor Email Id is invalid
520Merchant creditor Pan Number is invalid
521Merchant creditor Scheme Name is invalid
522Merchant creditor Consumer Reference number is invalid
523Merchant creditor Mandate Type is invalid
524Merchant creditor Co-Operate Sponser Bank is invalid
525Error in decrypting Phone number
526Error in decrypting Mobile number
527Error in decrypting Email Id
528Error in decrypting Pan number
529SpID missing for the merchant
530Merchant SpId combination not in DB
531Authmode and BankId are Mandatory
532Email Max Length Exceeded
306Bank Mandate id is duplicate
307Bank NPCI Ref id not valid
308Bank Reason code and description not in approved list
470Bank Mndt ReqId not same as NpciReq
471Bank NpciRefId not same as NpciReq
473Bank invalid id
474Bank Returning Error XML
475Invalid JSON Structure
479Bank Invalid XML structure
490Bank ACCT_TYPE tag is Invalid
491Bank ACCT_TYPE tag is null
492Current Process is Invalid
537Error in Processing Mandate Verify Response
605Otp Verification Failure
601Invalid Debit Card Number
603Invalid CVV
536Error in Posting Mandate Details
602Invalid Expiry / Validity
542Error in Posting Otp Details
274275Bank MndtReqId empty or incorrect,Bank UndrlygAccptncDtls CreDtTm empty or incorrect
302303Bank MsgId is duplicate,Bank Accepted Ref number is duplicate
282283284Multiple errors occurred
604Account Details Does not Match
539Mandate Verify Details Response is null
534Mandate Verify Details Response is null
543Otp Verification API Url null
607Previous Request in Progress
608Bank Restricts Duplicate request.Mandate Registration Failed_Please contact your home branch
608Bank Restricts Duplicate request.Debit card not activated
608Bank Restricts Duplicate request.Account Number not registered with Net-banking facility
608Bank Restricts Duplicate request.Account Number registered for only view rights in Net-banking facility
608Bank Restricts Duplicate request.No response received from customer while performing transaction
608Bank Restricts Duplicate request.No such account
608Bank Restricts Duplicate request.Account not in regular Status
608Bank Restricts Duplicate request.Authentication Failed
608Bank Restricts Duplicate request.Debit card validation failed due to_ Invalid PIN
608Bank Restricts Duplicate request.Debit card Blocked
608Bank Restricts Duplicate request.Transaction rejected or cancelled by the customer
608Bank Restricts Duplicate request.Debit card Expired
608Bank Restricts Duplicate request.Mandate Not Registered_ not maintaining req balance
608Bank Restricts Duplicate request.Mandate Not Registered_NRE Account
608Bank Restricts Duplicate request.Maximum tries exceeded for OTP
608Bank Restricts Duplicate request.Refer to the branch_KYC not completed
608Bank Restricts Duplicate request.Invalid User Credentials
608Bank Restricts Duplicate request.User rejected the transaction on pre-Login page
608Bank Restricts Duplicate request.Account frozen
608Bank Restricts Duplicate request.Debit card validation failed due to_ Invalid card number
608Bank Restricts Duplicate request.Mandate registration not allowed for Joint account
608Bank Restricts Duplicate request.Debit card validation failed due to_ Invalid expiry date
608Bank Restricts Duplicate request.Account Inoperative
608Bank Restricts Duplicate request.Browser closed by customer in mid transaction
608Bank Restricts Duplicate request.Mandate Not Registered_Minor Account
608Bank Restricts Duplicate request.Account blocked
608Bank Restricts Duplicate request.Mandate registration not allowed for CC account
608Bank Restricts Duplicate request.Technical errors or connectivity issues at bank end
608Bank Restricts Duplicate request.Not a CBS act no.or old act no.representwithCBS no
608Bank Restricts Duplicate request.Account closed
608Bank Restricts Duplicate request.Time expired for OTP
608Bank Restricts Duplicate request.Debit card Hotlisted
608Bank Restricts Duplicate request.OTP invalid
608Bank Restricts Duplicate request.Account type in mandate is different from CBS
608Bank Restricts Duplicate request.Mandate registration not allowed for PPF account
CodeReasonPhysical NACHAadhaar eSign eNACH
M003Drawer's signature differsYESNA
M004Drawer's signature requiredYESNA
M005Drawer's signature to operate account not receivedYESNA
M006Drawer's authority to operate account not receivedYESNA
M007Alterations require drawer's authenticationYESNA
M008Company for stamp required or WrongYESNA
M009Mandate in old formatYESNA
M011Payment stopped by attachment orderYESYES
M012Payment stopped by court orderYESYES
M013Withdrawal stopped owing to death of account holderYESYES
M014Withdrawal stopped owing to lunacy of account holderYESYES
M015Withdrawal stopped owing to insolvency of accountYESYES
M021Duplicate mandate. first presented mandate alreadyYESYES
M022Mandate presented in ACH as well as ECSYESNA
M023Refer to branch. KYC not completedYESYES
M024Amount in words and figure differYESNA
M025Present under improper management categoryYESYES
M026Account frozenYESYES
M027Image not clearYESNA
M030Mandate registration not allowed for CC accountYESYES
M031Not a CBS account OR Old account number. Represent with CBS account numberYESYES
M032Rejected as per customer confirmationYESYES
M033Invalid monthly EMI amount. Full Loan amount mentionedYESNA
M034Amount of EMI more than limit allowed for the accountYESYES
M035Corporate name mismatchYESYES
M037Account closedYESYES
M038No such accountYESYES
M041Account blockedYESYES
M049Drawer's signature not updated in Bank CBSYESNA
M050Drawer's signature illegible in mandate formYESNA
M051Mandate not registered. NRE accountYESYES
M052Mandate not registered. Minor accountYESYES
M053Mandate registration not allowed for PF accountYESYES
M054Mandate registration not allowed for PPF accountYESYES
M055Account inoperativeYESYES
M056Mandate not registered. Not maintaining required balanceYESYES
M057Account holder name mismatch with CBSYESYES
M060Invalid frequencyYESYES
M066Joint signature requiredYESNA
M067Thumb print in CBS, but customer signature in mandate or vice versaYESNA
M068Account type in mandate is different from CBSYESNA
M074Data mismatch with image - Account numberYESNA
M075Data mismatch with image - Account typeYESNA
M077Data mismatch with image - FrequencyYESNA
M078Data mismatch with image - PeriodYESNA
M079Data mismatch with image - Debit typeYESNA
M080Data mismatch with image - AmountYESNA
M081Data mismatch with image - Start dateYESNA
M082Data mismatch with image - End dateYESNA
M083Data mismatch with image - Payer nameYESNA
M084Data mismatch with image - Debtor bank nameYESNA
M085Data mismatch with image - More than one fieldYESNA
M088API data mismatch with customer info and data mandateN.A.NA
M089Aadhaar number mismatch in X509 certificate and mandateN.A.YES
M090Aadhaar number mismatch in X509 certificate and Bank CBSN.A.YES
M091eSign signature is tampered or corruptN.A.YES
M092Signed content doesn't tally with data mandateN.A.YES
M093Aadhaar not mapped to account numberN.A.YES

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