NPCI/2020-21/NACH/Circular No.

008 Jun 30, 2020

To
All member banks participating in NACH

Payment pre-validation services – Guidelines

Refer to Circular no. 023 dated March 19, 2020 on “Payment pre-validation services”, the
stakeholder are hereby advised on the process to be followed for presenting the account
validation records:

1. On-boarding process:

Non DBT - Real time:

 Initiating bank / Government departments to approach NPCI for creation for one time
Non DBT entity identifier code (4 digit).
 Corporates can avail this service only through their sponsor bank. Sponsor bank
should get in touch with NPCI to the entity identifier code.
 In-case initiating bank is raising the request on-behalf of government or corporate then
separate code needs to be applied for each unique corporate or government
department in the request sent.
 The format for raising request to NPCI for creation of code is provided in Annexure I.

Non DBT - File based:

 Corporates or government department can participate through their sponsor bank only.
 For file based mode the sequence number in filename (6 digit unique number) should
start with “8”.

DBT - Real time:

 Government department on completion of certification process can get connected

directly to NPCI or through their sponsor bank.
 A new entity identifier code (4 digit) to be taken from NPCI for the identification of the
government department. The format for raising the request to NPCI for creation of code
is provided in Annexure I.

DBT - File based:

 Government department can participate through their sponsor bank only.
 For file based mode the sequence number in filename (6 digit unique number) should
start with “9” whereas for OMC (LPG subsidy) validation the sequence number can
start with any value between “0” to “7”.
 In addition, Government departments’ on-boarding directly to NPCI should submit
sponsor bank authorization letter (Refer Annexure II for format) for collection of
charges.

1001A, B wing, 10th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051
CIN: U74990MH2008NPL189067
2. Record processing:

File based:

 LPG subsidy - No change in account validation process, format or naming convention.

Input & response naming convention given below for reference.
o Input
 Format: AV-<Initiating bank code>-<Receiving bank code> -<Initiating
bank user ID>-<DDMMYYYY>-<6 digit Sequence number–should not
start with “8” or “9”>-INP.txt
 Example: AV-XXXX-OMCC-XXXXUSER1-02032020-000002-INP.txt
o Response
 Format: AV-<Initiating bank code as received in input>-<Receiving
bank code as received in input> -<Receiving bank user ID>-<Date as
received in input>-<Sequence number as received in input>-RES.txt
 Example: AV-XXXX-OMCC-OMCCUSER1-02032020-000002-
RES.txt
 DBT (bank to bank) – No change in account validation process, format or naming
convention. Input & response naming convention given below for reference.
o Input
 Format: AV-<Initiating bank code>-<Receiving bank code> -<Initiating
bank user ID>-<DDMMYYYY>-<6 digit Sequence number–should start
with “9”>-INP.txt
 Example: AV-XXXX-YYYY-XXXXUSER1-02032020-900002-INP.txt
o Response
 Format: AV-<Initiating bank code as received in input>-<Receiving
bank code as received in input> -<Receiving bank user ID>-<Date as
received in input>-<Sequence number as received in input>-RES.txt
 Example: AV-XXXX-YYYY-YYYYUSER1-02032020-900002-RES.txt

 Non DBT - Initiating bank based on request from the corporate or government
department to initiate account validation file as per the existing format however naming
convention will be different. Naming convention given below
o Input
 Format: AV-<Initiating bank code>-<Receiving bank code> -<Initiating
bank user ID>-<DDMMYYYY>-<6 digit Sequence number–should start
with “8”>-INP.txt
 Example: AV-XXXX-YYYY-XXXXUSER1-02032020-800002-INP.txt
o Response
 Format: AV-<Initiating bank code as received in input>-<Receiving
bank code as received in input> -<Receiving bank user ID>-<Date as
received in input>-<Sequence number as received in input>-RES.txt
 Example: AV-XXXX-YYYY-YYYYUSER1-02032020-800002-RES.txt

1001A, B wing, 10th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051
CIN: U74990MH2008NPL189067
 Real time:

Usage of entity identifier code in API request:

i. Header of the JSON message
ii. In xml under <Source type="CODE" value="XXXX" name="" />

Introduction of purpose field:

The purpose of the request should be captured during the initiation of this service. The
purpose codes allowed in provided in Annexure III. Any codes used which is not in the list
will be rejected by NPCI system.

This code will be used in <Request id="26062018" type="DETAILS_ENQ" refUrl=""/> in

the xml request.

Note: This is applicable for both “Validation of an account based on account number and
IFSC” and “Request for an account holder name” API services.

3. Introduction of additional reject reasons & account type

i. New reason code in line with the transaction return codes have been introduced
for reject response
ii. New codes for new account types introduced

The list of updated codes are provided in Annexure IV.

Member banks are advised to take note and disseminate the information to all the concerned.
For clarification, the same to be raised through CRM.

With Warm Regards

Giridhar. G. M
(Chief – Offline product operations & technology)

1001A, B wing, 10th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051
CIN: U74990MH2008NPL189067
Annexure I

(To be printed in sponsor bank letterhead)

To,
Chief – Offline product operations & technology,
National Payments Corporation of India
C/O ICICI Towers, 6th Floor,
Tower I, North Wing,
Plot No. 12, Financial District, Nanakram Guda,
Hyderabad, Telangana 500032.

Sub: Request for creation of Non-DBT code for prepayment validation service

We _______________________ (bank name) participating in National Automated Clearing

Cell (“NACH”) as a sponsor bank for _____________________________________
(Government department name / Corporate name) with utility code
_____________________, request NPCI to create Non-DBT code for participation in Non-DBT
account validation service provided by NPCI.

When using this service, we also ensure the following:

1. Only valid API request received from the corporate or Government departments
will be initiated to NPCI.
2. Restrict the initiation of unwanted or false request.
3. In-case of any incorrect request submission to NPCI, the same will be handled
internally between the corporate and sponsor bank.

(Signature of Authorized Signatory)

(Name of the Authorized Signatories & designation with bank seal)

1001A, B wing, 10th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051
CIN: U74990MH2008NPL189067
Annexure II – Format of sponsor bank authorization letter

(To be printed in sponsor bank letterhead)

To,
Chief – Offline product operations & technology,
National Payments Corporation of India
C/O ICICI Towers, 6th Floor,
Tower I, North Wing,
Plot No. 12, Financial District, Nanakram Guda,
Hyderabad, Telangana 500032.

Sub: Authorization for debiting charges from settlement account

We _______________________(bank name) participating in National Automated Clearing

Cell (“NACH”) as a sponsor bank for ____________________ (Government department
name) hereby authorize NPCI to debit our settlement account maintained with RBI for
records processed by the department with the code of _____ (4 digit code created by NPCI)
through real time account validation service provided by NPCI.

(Signature of Authorized Signatory)

(Name of the Authorized Signatories & designation with bank seal)

1001A, B wing, 10th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051
CIN: U74990MH2008NPL189067
Annexure III

Sl. No. Purpose Purpose code

1 Customer on-boarding - loan CO01
2 Customer on-boarding - Demat CO02
3 Customer on-boarding - Brokerage/ SIP/ MF CO03
4 Customer on-boarding - Subscriptions CO04
5 Customer on-boarding - Others services CO05
6 Vendor on-boarding VO01
7 Mandate registration - Physical mandate MR01
8 Mandate registration - eSign mandate MR02
9 Mandate registration - API mandate MR03
10 Payment pre-validation - Credit PP01
11 Payment pre-validation - Debit PP02
12 Payment pre-validation - Refund credit PP03
13 DBT beneficiary on-boarding DB01
14 DBT payment pre-validation DB02

1001A, B wing, 10th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051
CIN: U74990MH2008NPL189067
Annexure IV:

Additional reject reasons

Response Code Description Status

S601 Account is in open and active state Existing
S602 Account under litigation Existing
S603 A/c inactive Existing
S604 Dormant A/c Existing
S605 Account holder expired Existing
S606 A/c blocked or frozen Existing
S607 Customer insolvent / insane Existing
S608 Account Closed New code
S609 No such Account New code
S610 KYC Documents Pending New code
S611 Invalid IFSC code New code
S612 Network failure (CBS) New code
S613 A/c in Zero balance/No transactions have happened New code
900 PAN Number not linked to Account New code

Account type for account status API

Response Code Description Status

T651 Savings account Existing
T652 Current account Existing
T653 Cash credit account Existing
T654 Overdraft account Existing
T699 Others Existing
T656 FD New code
T657 RD New code
T658 Loan account New code
T659 PMJDY account New code
T660 NRE/NRO account New code
T661 HUF - Hindu Undivided family New code
T662 PF & PPF New code
T663 Basic Savings Bank Deposit (BSBD) New code

1001A, B wing, 10th Floor, The Capital, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051
CIN: U74990MH2008NPL189067