Money Clarity

How to see and cancel every auto-debit on your account

Auto-debits run on separate systems that do not talk to each other, so there is no single screen listing all of them. UPI AutoPay is cancelled in your UPI app, NACH and ECS mandates in net banking, and card-on-file billing at the merchant. Cancelling one does not cancel the others.

Where to cancel UPI AutoPay

Each UPI app puts this somewhere slightly different, which is a large part of why people give up looking.

Google Pay: Profile, then Autopay, then select the mandate to pause or cancel
PhonePe: History, then Recurring, then select the subscription and cancel AutoPay
Paytm: Balance and History, then Recurring Payments, then cancel
BHIM: the Recurring section, then select the mandate and cancel

Where to cancel NACH and ECS mandates

These are bank-level instructions, typically used for loan EMIs, insurance premiums and SIPs. They live in net banking, not in your UPI app.

SBI: onlinesbi.sbi, then Account, then the NACH Management section
HDFC: Net Banking, then Payments, then NACH/ECS Mandates, then View Mandates
ICICI: iMobile app, then Service Requests, then NACH Mandate, then View Mandates
Axis and Kotak: Net Banking, then Payments, then Standing Instructions or Manage Mandates

What your bank is required to do

Knowing the rules matters, because the most common outcome of a failed cancellation is the customer assuming nothing can be done.

Cancellation requests must be processed within 2 working days
You must be notified 24 hours before every NACH or ECS debit, by SMS or email
Cancellation must be available through digital channels - a branch visit cannot be required
Disputes after cancellation must be resolved within 7 working days under NPCI rules, and can be escalated to the RBI Complaint Management System

A mandate that will not cancel

This happens, and there is a defined path rather than a dead end.

Try the merchant first - many mandates can only be stopped at source
If the app fails, raise it with your bank in writing with the account number and mandate reference
Keep the acknowledgement; it starts the 2 working day clock
If a debit lands after that, file with the bank, then escalate to the RBI Complaint Management System if unresolved in 7 working days

Common questions

Can I see all my UPI AutoPay mandates in one place?

Only per app. If you have mandates set up through Google Pay and PhonePe, you have to check each separately. There is no consolidated national view for consumers, which is the main reason auto-debits get forgotten.

Does cancelling the mandate cancel the subscription?

No. Revoking the mandate stops the payment, but the merchant may still consider the subscription active and may pursue the dues or suspend service. Cancel at the merchant first, then revoke the mandate.

What if money is debited after I cancelled?

Raise it with your bank in writing, quoting the mandate reference. NPCI rules require resolution within 7 working days. If it is not resolved, escalate through the RBI Complaint Management System.

Check all three systems - UPI app, net banking, card statement. Cancel at the merchant, then revoke the mandate. If it still debits, the rules are on your side and there is a written escalation path.

Written by Danish Mirza, founder of Unyfy. 14 years in Indian lending and collections at Standard Chartered, Barclays, Ola Money and Uni Cards.
Last reviewed 2026-09-08.