None of this is ChargeGuard's doing. These are rules the RBI already set. The problem is that almost nobody knows the deadlines exist — so almost nobody holds anyone to them.
Your issuer must send a pre-debit notification at least 24 hours before each recurring auto-debit, naming the merchant, the amount, the date and time, the mandate reference and the reason — and it must let you opt out of that debit or cancel the mandate outright.
RBI, Digital Payments — E-mandate Framework, 2026 (21 April 2026). FastTag and NCMC auto-replenishment are exempt.Recurring payments up to ₹15,000 are processed without additional authentication once the mandate is registered. That is not a loophole; it is the design. It also explains why a renewal can land with no step you would have noticed.
RBI, Digital Payments — E-mandate Framework, 2026.Failed transactions have fixed reversal deadlines. One day for UPI, IMPS and card-to-card transfers. Five days for ATM withdrawals where no cash was dispensed, and for card payments where no charge-slip was generated or the merchant never received confirmation.
RBI circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019.Past the deadline, the bank owes ₹100 for every day of delay. The RBI is explicit that this compensation is to be paid by the bank on its own initiative, without waiting for a complaint or a claim from you. So the question is rarely whether to ask for it — it is whether it was ever paid.
RBI circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019.A subscription cancelled inside a merchant's app can still be collected if the mandate registered at your bank remains active. The mandate is a separate instruction, held by your issuer, and it is revoked in your bank's e-mandate list — not the merchant's settings screen.
Follows from the e-mandate registration and revocation rules, RBI 2026 framework.No additional fee may be levied on you for registering or using an e-mandate for recurring digital payments.
RBI, Digital Payments — E-mandate Framework, 2026.Quote the circular. A dispute that names RBI circular DPSS.CO.PD No.629/02.01.014/2019-20 and the deadline that applies to your transaction type is a different conversation from one that asks politely for help.
If the deadline has passed, ask for the ₹100 per day as well — it is owed whether or not you ask, but asking makes it harder to overlook.
If the bank doesn't fix it, escalate — it's free. Complain to the bank first, in writing, and keep the reference number. If there's no resolution in 30 days or the reply is unsatisfactory, take it to the RBI Ombudsman at cms.rbi.org.in (or crpc@rbi.org.in, helpline 14448). Under the Reserve Bank – Integrated Ombudsman Scheme 2026, in force since 1 July 2026, you have 90 days from that reply to escalate — the older scheme allowed longer, so don't rely on out-of-date advice.
ChargeGuard puts the right citation and the right deadline into the draft for you.
The RBI is explicit that this compensation is paid by the bank on its own initiative, without waiting for a complaint. So the question is rarely whether to ask for it — it is whether it was ever paid.
RBI circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019You'll hear from us when the first version opens — not before, and not for anything else.
