RBI/2024-25/64 CO.DPSS.POLC.No. S528 / 02-14-003 / 2024-25 August 22, 2024 The Chairman / Managing Director / Chief Executive Officer All Scheduled Commercial Banks, including Regional Rural Banks / Urban Co-operative Banks / State Co-operative Banks / District Central Co-operative Banks / Payments Banks / Small Finance Banks / Local Area Banks / Non-bank Prepaid Payment Instrument issuers / Authorised Card Payment Networks / National Payments Corporation of India Madam / Dear Sir, Processing of e-mandates for recurring transactions A reference is invited to our circulars DPSS.CO.PD.No.447 / 02.14.003 / 2019-20 dated August 21, 2019, and other related circulars (collectively referred to as “e-mandate framework”). The e-mandate framework prescribed, inter alia, that the issuer shall send a pre-debit notification to the customer at least 24 hours prior to the actual charge / debit to the account.

RBI/2024-25/52 CO.DPSS.POLC.No. S415 / 02.27.019 / 2024-25 July 24, 2024 The Chairman / Managing Director / Chief Executive Officer Authorised Payment System Operators / Participants (Banks and Non-banks) Madam / Dear Sir, Domestic Money Transfer – Review of Framework The framework for Domestic Money Transfer (DMT) was introduced in 2011, vide RBI circular DPSS.PD.CO.No. 622 / 02.27.019 / 2011-2012 dated October 5, 2011. There has been significant increase in the availability of banking outlets, developments in payment systems for funds transfers, and ease in fulfilling KYC requirements etc., since then; and now users have multiple digital options for funds transfer. A review was recently undertaken of various services facilitated in the current framework