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Verified banking process — Last updated: July 2026
1. SMS/Email Check Karein: Bank ka message padhein ki failure ka exact reason kya hai (jaise 'Insufficient Funds').
2. Balance Add Karein: Account mein turant required EMI/SIP amount + thoda extra balance daal dein.
3. Manual Payment Karein: Usi din UPI, NEFT, ya Net Banking ke zariye khud se payment kar dein.
4. Bank Ko Inform Karein: Payment ka screenshot ya reference number bank ke customer care ya branch ko bhej dein.
5. Mandate Check Karein: Agar NACH mandate expire hua hai, toh naya form submit karke use re-activate karwayein.
6. Charges Waive Karein: Agar bounce charge laga hai, toh politely request karke use maaf karwayein.
Kisi bhi solution par jaane se pehle, ye samajhna zaroori hai ki aakhir bank ne payment reject kyun ki. Aksar ye koi badi galti nahi, balki ek chhoti si technical ya administrative chook hoti hai. Yahan 5 sabse common reasons hain:
Ye 90% cases mein sabse bada reason hota hai. EMI date par agar account mein required paise nahi hain, toh bank ka system automatically transaction reject kar deta hai aur bounce charges lag jate hain.
NACH/ECS mandate aamtaur par 1 se 3 saal ke liye valid hote hain. Agar mandate ki validity khatam ho gayi hai aur aapne use renew nahi karwaya, toh bank ke paas auto-debit karne ka koi legal authorization nahi bachta.
Agar aapne lambe samay (6 mahine se zyada) tak apne account mein koi transaction nahi kiya, ya KYC update nahi karwayi, toh bank account ko 'Dormant' ya freeze kar sakta hai. Aise account se koi bhi auto-debit fail ho jata hai.
Kabhi-kabhi galti aapki bilkul nahi hoti. Bank ka server down hone, RBI ke NACH system mein technical issue, ya network failure ki wajah se bhi successful auto-debit fail dikha sakta hai.
Agar aapne haal hi mein apna mobile number, IFSC code, ya loan account number change kiya hai, lekin lender ko update nahi kiya, toh purana auto-debit instruction fail ho jayega.
Ghabrayein nahi, ise theek karna utna mushkil nahi hai jitna lagta hai. Bas in practical steps ko follow karein aur apna account jaldi se regular kar lein:
Har borrower ka sabse bada dar hota hai ki kahin unka credit score kharab na ho jaye. Sach ye hai ki ek baar auto-debit fail hone se aapka CIBIL score turant kharab nahi hota, lekin deri karna nuksan deh ho sakta hai.
CIBIL report mein koi negative mark (DPD) nahi aayega. Bank shayad thoda bounce charge le, lekin aapka credit history bilkul safe rahegi.
Aapka CIBIL score 50-100 points tak gir sakta hai. Loan account 'NPA' (Non-Performing Asset) ban sakta hai, jisse future mein home loan ya personal loan milna mushkil ho jayega.
Agar auto-debit sirf bank ke server down hone ki wajah se fail hua tha, toh aap bank se written proof maang kar CIBIL bureau mein free mein dispute bhi raise kar sakte hain.
Banks aamtaur par ₹250 se lekar ₹750 tak bounce charges vasool karte hain. Lekin inhe maaf (waive) karwana namumkin nahi hai. Ye proven tarika apnayein:
Bank ke toll-free number par call karke batayein ki ye pehli baar hua hai aur galti se balance kam reh gaya. Agar aapka purana repayment record accha hai, toh 70-80% cases mein representative charges waive kar deta hai.
Agar phone par baat na bane, toh branch jakar ek chhoti si written application dein. Apna accha banking history dikhayein aur 'goodwill waiver' ki request karein. Manager ke paas limited amount waive karne ka power hota hai.
Agar bank bina kisi valid reason ke charges nahi hata raha, ya galti bank ki thi (jaise server issue), toh aap RBI ke Complaint Management System (CMS) mein online shikayat darj kar sakte hain.
| Bank Type | Bounce Charges | Late Payment Fee |
|---|---|---|
| Public Sector Banks (SBI, PNB) | ₹250 – ₹500 | ₹100 – ₹300 |
| Private Banks (HDFC, ICICI, Axis) | ₹400 – ₹750 | ₹200 – ₹500 |
| NBFCs (Bajaj, Tata Capital) | 500 – ₹1,000 | ₹300 – ₹700 |
Reserve Bank of India (RBI) ne customers ko surakshit rakhne ke liye auto-debit (e-mandate) ke kuch sakht niyam banaye hain. Aapko in baaton ka pata hona zaroori hai taaki aapka shoshan na ho:
Bank ko auto-debit katne se kam se kam 24 ghante pehle aapko SMS ya email ke zariye inform karna anivarya (mandatory) hai. Agar notification nahi aaya, toh aap charge dispute kar sakte hain.
Kai banks EMI miss hone par 3 se 7 din ka grace period dete hain. Is dauran manual payment karne par late fee nahi lagti. Apne bank se iski pushti zaroor karein.
₹5,000 se adhik ke recurring payments ke liye bank ko aapse OTP ya additional approval lena zaroori hai. Bina approval ke auto-debit nahi hoga.
Agar aapke account mein paise the lekin bank ke technical issue ki wajah se debit fail hua, toh aap par koi penalty ya bounce charge nahi lagaya ja sakta.
Bank ke doosre attempt ka intezaar karna
Bank shayad dobara try na kare, ya karne par double bounce charge lag jaye. Turant manual payment karein.
CIBIL score ki chinta mein payment delay karna
Jitna deri karenge, utna zyada nuksan hoga. 30 din ke andar payment karne se CIBIL safe rehta hai.
NACH mandate ko ignore karna
Agar mandate expire ho gaya hai, toh sirf balance dalne se kaam nahi chalega. Naya form bharna hoga.
Auto Debit Regularization — Sawal Jawab
EMI bounce ke baad apne credit score ko wapas 750+ improve karne ke proven aur safe tarike.
Read More →Agar aap kisan hain, toh janien Maandhan pension scheme mein auto-debit kaise set aur manage karein.
Read More →Registered bank account change ya NACH mandate update karne ka complete step-by-step process.
Read More →Last Verified: 29 जुलाई 2026
Sources: RBI Guidelines (DPSS.CO.PD.No.116/02.14.003/2021-22), Major Indian Banks (SBI, HDFC, ICICI), NBFC Policies, CIBIL Bureau
Author: KisanStatus Editorial Team — Helping farmers and borrowers with verified, actionable information since 2024.
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🔄 Last Updated: 29 जुलाई 2026
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