The Reserve Bank of India (RBI) has rolled out updates to its electronic auto-debit transactions as part of the 'Digital Payments — E-mandate Framework, 2026'. Under the new rules, recurring transactions of up to ₹15,000 can be processed without requiring additional authentication like an OTP, provided users register for a one-time e-mandate using additional factor authentication (AFA). This change is designed to simplify payments for services such as subscriptions, EMIs, and utility bills. Furthermore, banks are prohibited from charging extra fees for this e-mandate service and must send pre-debit alerts at least 24 hours prior to transactions, allowing customers to opt out if necessary. The RBI has also extended its zero-liability policy for unauthorized transactions to these e-mandates, ensuring that customers won't be held liable for fraudulent debits if reported promptly. Additionally, the RBI has proposed new regulations for digital wallets and prepaid payment instruments, including caps on outstanding amounts and monthly cash loading limits.