National Automated Clearing House
Montran’s NACH solution enables efficient processing of high-volume recurring transactions, supporting India’s digital payment ecosystem with automated, secure handling.
How It Works
Montran’s NACH solution supports compliant processing across the full NPCI NACH framework, enabling banks to manage recurring payments at scale with strong automation and control. The platform delivers comprehensive mandate management, including creation, amendment, cancellation, and rejection handling, supported by bulk upload capabilities and secure repository maintenance.
With integrated signature verification, encryption, and intelligent routing through a built-in rules engine, institutions can ensure accurate, secure, and efficient processing of high-volume recurring transactions.
Key Capabilities
Corporate Direct 
Access Feature
Enables corporate users to create, submit, and track mandates directly through the NACH platform with full visibility and control.
Dashboards Reporting 
& Monitoring
Provides real-time dashboards, monitoring, and automated reporting to track performance metrics, transaction status, and system health.
Host-to-Host & Multi-Back Office Integration
Supports seamless integration across banking and corporate systems for efficient data exchange between back-office platforms.
Browser-Based 
Thin Client Access
Provides web-based access that is platform-agnostic and database-independent, enabling flexible deployment across environments.
Montran’s NACH solution uses scalable Java APIs and SOA integration. It is platform-agnostic, database-independent, and supports reliable processing across banks and corporates.
Results + Impact
Central ACH Processes
200M+
ACH transactions processed daily across India’s banking
ecosystem, supporting large-scale recurring payments
through the NACH framework.
Commercial ACH Processes
24.5M+
Commercial ACH transactions processed daily in India’s
corporate ecosystem, supporting mandate-based collections
and bulk disbursements via NACH.
FAQs
01
What is NACH?
NACH (National Automated Clearing House) is a centralized electronic clearing system operated by NPCI for processing high-volume, low-value recurring transactions such as salaries, dividends, EMIs, utility payments, and government benefits.
02
What types of transactions does NACH support?
NACH supports ACH credits, ACH debits, APBS transactions, and mandate-based recurring payments across India’s banking ecosystem.
03
How does NACH improve recurring payment processing?
By automating mandate validation, file processing, segregation, and reconciliation, NACH reduces manual intervention and improves accuracy and operational efficiency.
04
Is NACH suitable for high-volume processing?
Yes. NACH is designed to handle large transaction volumes at scale, with daily processing reaching hundreds of millions of ACH transactions across the ecosystem.
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