Auto-Debits & ECS Mandates in India: Complete 2026 Guide to Check, Manage & Cancel Safely

Common Auto-Debits / ECS Mandates Checklist

Category	Examples	Why You Should Check Before Closure
Loan EMIs	Home loan EMI, Personal loan EMI, Car loan EMI	Missed payments → Penalty + CIBIL impact
Credit Card Payments	Auto debit of total/minimum due	Failed debit → Late fee + interest
Mutual Fund SIPs	Monthly SIP via NACH/ECS	SIP failure → Investment disruption
Insurance Premiums	Life, Health, Vehicle insurance	Policy lapse risk
Utility Bills	Electricity, Gas, Water	Service interruption
Mobile / Internet Bills	Postpaid mobile, Broadband	Late fee / disconnection
OTT / Subscriptions	Netflix, Amazon Prime, Spotify	Unexpected charges
Investment Plans	RD (Recurring Deposit), PMS	Payment failure / closure
Trading / Margin Obligations	Broker margin auto-debit	Trading restrictions
UPI Autopay Mandates	IPO applications, subscriptions	Payment failures
Tax Payments	Advance tax / self-assessment tax	Compliance issues
Society / Maintenance	Housing maintenance auto debit	Penalties / dues
School / Tuition Fees	Monthly fee mandates	Payment delay issues
Gym / Memberships	Fitness subscriptions	Recurring unwanted charges
Donations / Charity	Monthly NGO contributions	Continues post closure
App Store Payments	Google Play / Apple subscriptions	Auto renewal charges

How to Check Active Mandates

Look for:

• “Mandates”

• “Standing Instructions”

• “AutoPay / NACH”

Via Credit Card Portal

Check:

• Recurring payments

• Subscription services

Via UPI Apps

Google Pay /

PhonePe /

Paytm →

Autopay / Mandates Section

Risks of Ignoring Auto-Debits

EMI bounce penalties

Credit score damage

Insurance lapse

Failed SIP investments

Legal / compliance issues

Smart Tips Before Account Closure

Cancel ECS mandates

Remove standing instructions

Disable UPI autopay

Cancel subscriptions

Keep proof of cancellations