APB Product Reject Code 95 renamed

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          The full form of APB is Aadhaar Payment Bridge

          The APB Product Reject Code 95 description was giving a giving a tough time to all the stake holders. The stake holders in this transaction are :

  • ·       The Government Department providing the DBT credit,
  • ·       The destination bank having the respective Aadhaar linked bank account
  • ·       The sponsor bank having the Government department’s bank account
  • ·       The recipient of the underlying DBT


The original description of the Reject Code 95 was “Inactive Aadhaar”. This was interpreted by various stakeholders as ‘Aadhaar number deactivated by UIDAI’, and led to lots of hurt burn.

The recipient was confused by this description, as to why his/her Aadhaar was deactivated by UIDAI.

He/She took up the matter with his/her bank which in turn took up with the sponsor bank for further clarifications.

Such rejections increased the complaints with no clarity in sight.

The actual reason was that the Aadhaar Number was deseeded by the bank in NPCI’s Aadhaar mapper.

Confused ??

NPCI Mapping : Mapping is a process of associating a Bank with Aadhaar number which is facilitated by NPCI for Direct Benefit Transfer to the respective Bank who have linked the Aadhaar Number to a specific Bank account for receiving Direct Benefits to which customer has given the consent.
Customers have to fill-in a specified form to link their Aadhaar Number with their Bank Accounts.
This linking is required as a customer may have multiple bank accounts and may desire to received Direct Benefit Transfers only to a particular bank account.
Mapper is a platform provided by NPCI for the banks to update or remove Aadhaar numbers as per their customer’s request.

The activity of updating or removing an Aadhaar number from mapper can be performed only by the banks. NPCI on its own does not update the mapper records.

In case customer approaches NPCI for grievance redressal, NPCI reaches out to the teams concerned in banks for necessary action.

As the number of complaints associated with reason code 95 were on the increase, NPCI after due consultation with stake holders decided to change the description.


The new description for APB Reject Code 95 is “Aadhaar Number de-seeded from NPCI mapper by Bank-customer to contact his/her bank”



This change is informed to public at large by NPCI through NACH Circular No 2 dt.23rd April 2019.

Customers receiving DBT just fill in their Aadhaar number in the specified form.

The department routes the DBT credit to the respective Bank through the associated IIN in its NPCI Data mapper list.

case, the Aadhaar number is not associated with any IIN database, NPCI rejects it with reason code 95.

With the new description of reject code 95, it is expected that there will be more clarity now amongst the stakeholders.

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