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Corporate Laws Central Ministry of Finance Reserve Bank of India Act, 1934

NPCI-Introduction of NACH 3.0 an upgradation of NACH system

06-Jun-2025 | NPCI/UPI/OC 216/2025-26

NPCI has introduced NACH 3.0 - an upgrade to the existing NACH platform, with migration expected to begin in the first week of July 2025. By virtue of the circular, NPCI has announced the launch of NACH 3.0, incorporating advanced security features and user interface improvements. The migration plan and related instructions will be communicated to member banks at least 7 days in advance. Key highlights: a. Advanced Security Standards: Secure data transmission protocols, Multi-Factor Authentication (MFA), Role-based access control, Enhanced audit trail mechanisms, Real-time system monitoring and alerts b. Enhanced GUI Interface: Updated to meet modern security and usability standards c. Improved Navigation: Single-screen view for all critical transaction details d. Optimized File Handling: Greater efficiency in processing a high volume of files e. Advanced Dashboard: Enhanced dashboard with detailed file tracking for both presented and received files f. Self-Service User Management: Users can create accounts and reset passwords on their own g. Escalation Matrix Updates: Member banks can update or submit their escalation matrix to NPCI as per their convenience h. Do’s and Don’ts: The circular outlines operational best practices and compliance pointers For detailed information, please refer to the attached circular.

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