The National Payments Corporation of India (NPCI) on November 06, 2025, issued a circular regarding the introduction of the New Sub-Product "RDS" under the ACH Debit for the Retail Direct Scheme.
The following has been stated: -
•NPCI has introduced a new sub-product, “RDS” (Retail Direct Scheme) under ACH Debit, effective November 15, 2025, to streamline processing of RBI Retail Direct transactions.
•This enhancement enables segregated inward files, allowing destination banks to identify and prioritize RDS transactions for same-day completion.
•Banks must update systems, train staff, and ensure responses to NACH debit transactions are submitted within the same day, as unresponded transactions will be treated as deemed accepted.
The detailed circular is given in the document below.
[Circular No.:NPCI/2025-26/NACH/006]
