transactions of up to Rs 15,000 to go through without asking for a fresh OTP<\/a> every single time.<\/p>\nIn simple terms, if you have already approved an automatic payment once, future monthly payments within the allowed limit can happen more smoothly.<\/p>\n
WHAT HAS CHANGED<\/p>\n
Recurring payments up to Rs 15,000 can now be processed without fresh authentication each cycle once the mandate is registered.<\/p>\n
This means many common monthly payments such as subscriptions, SIP instalments, maintenance bills, broadband charges or utility bills may no longer fail just because you missed an OTP message.<\/p>\n
For many users, that removes one of the biggest irritations in digital payments.<\/p>\n
WHY THIS MATTERS FOR USERS<\/p>\n
A lot of recurring payments fail for avoidable reasons.<\/p>\n
Sometimes the OTP arrives late. Sometimes the phone has no signal. Sometimes users miss the message entirely. In other cases, people are asleep or travelling when the payment request comes through.<\/p>\n
That can lead to interrupted subscriptions, missed SIP dates, insurance payment delays or credit card penalties.<\/p>\n
RBI\u2019s move is aimed at reducing that friction.<\/p>\n
THE FIRST PAYMENT STILL NEEDS APPROVAL<\/p>\n
This is important. No company can simply start taking money from your account automatically.<\/p>\n
When you first set up auto-pay, you still need to approve it using OTP or another authentication method. Only after that first approval can future recurring payments happen automatically within the permitted limits.<\/p>\n
So customers still remain in control.<\/p>\n
BIG RELIEF FOR CREDIT CARD BILLS AND INSURANCE<\/p>\n
RBI has also allowed a higher limit of Rs 1 lakh for certain categories such as insurance premiums, mutual fund subscriptions and credit card bill payments.<\/p>\n
This could help users who make large recurring payments and often face payment delays due to repeated authentication requests.<\/p>\n
For example, someone paying a high insurance premium or clearing a large monthly card bill may now face fewer hurdles.<\/p>\n
YOU WILL STILL GET ALERTS<\/p>\n
The rule does not remove warnings.<\/p>\n
Banks must continue sending pre-debit alerts before money is deducted. That means users should still receive advance notice showing the amount, merchant name and payment timing.<\/p>\n
You should also receive confirmation after the payment is completed.<\/p>\n
So while payments may become smoother, they should not become invisible.<\/p>\n
GOOD TIME TO CHECK AUTO-PAY MANDATES<\/p>\n
This is a good time to check all active auto-pay mandates linked to your bank account, card or UPI apps.<\/p>\n
Many people continue paying for subscriptions they forgot about, duplicate services, unused memberships or old cards still linked to recurring charges.<\/p>\n
The easier auto-pay becomes, the more important it is to track where your money is going.<\/p>\n
With this change, RBI is trying to make genuine recurring payments seamless while keeping customer consent and alerts in place.<\/p>\n
For users, the biggest benefit is simple: fewer failed payments, fewer OTP hassles, fewer reminders and less stress every month.<\/p>\n
– Ends<\/p>\n
Published By: <\/p>\n
Koustav Das<\/p>\n
Published On: <\/p>\n
Apr 22, 2026 10:40 IST<\/p>\n","protected":false},"excerpt":{"rendered":"Paying monthly subscriptions, SIPs, insurance premiums, credit card bills and utility charges may soon become less frustrating for…\n","protected":false},"author":2,"featured_media":411335,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[180623,180634,180639,180627,180635,61,180628,60,202,180638,180637,180625,180620,180629,180621,180633,180630,180636,180624,180622,180632,180626,80,180631],"class_list":{"0":"post-411334","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mobile","8":"tag-auto-debit-without-otp","9":"tag-auto-pay-subscriptions-india","10":"tag-card-bill-auto-pay-india","11":"tag-credit-card-auto-payment-rbi","12":"tag-emi-auto-debit-rules","13":"tag-ie","14":"tag-insurance-premium-auto-debit","15":"tag-ireland","16":"tag-mobile","17":"tag-mutual-fund-sip-auto-debit","18":"tag-netflix-payment-rbi","19":"tag-netflix-subscription-auto-pay","20":"tag-rbi-auto-debit-rules","21":"tag-rbi-digital-payments-update","22":"tag-rbi-e-mandate-rules","23":"tag-rbi-latest-news","24":"tag-rbi-otp-rule-change","25":"tag-rbi-payment-rules-2026","26":"tag-rbi-recurring-payments","27":"tag-rbi-rs-15000-auto-debit-limit","28":"tag-recurring-payment-rules-india","29":"tag-sip-auto-debit-rules","30":"tag-technology","31":"tag-upi-auto-pay-limit"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/411334","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=411334"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/411334\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/411335"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=411334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=411334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=411334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}