How to Stop Justdial ECS or E-NACH Mandate in Kotak Bank (Step-by-Step Guide – 2025)

1. Brief About What ECS/E-NACH Mandates Are

ECS or E-NACH mandates are services that allow you to purchase products or services—online or offline—on easy installments without paying the full amount upfront. These auto-debit services are linked directly to your bank account and help with scheduled payments.

✅ Pros of ECS/E-NACH Mandates

• ECS/E-NACH is very useful when you want to buy a product or service but don’t have the full amount at the moment.
• You can convert the total amount into easy monthly installments.
• For example, you can take a service now by paying just the first EMI, and the rest will be deducted monthly from your account automatically.

❌ Cons of ECS/E-NACH Mandates

• If you forget the due date of your EMI or fail to maintain sufficient balance in your Kotak account, the bank will charge a penalty of ₹590.
• Especially with Justdial, there’s no fixed date for auto-debit. The ECS request can hit your account anytime between the 5th and 10th of the month.
• If there’s no balance when ECS is attempted, the penalty is applied immediately.
• Even after the penalty, if the ECS keeps failing due to low balance, repeated charges may apply.

Why You May Want to Stop Justdial Auto-Debit (ECS/E-NACH)

• Most customers are unaware of the debit date and end up paying heavy penalties.
• Repeated charges without any fixed date create confusion and frustration.
• Therefore, many users choose to cancel the Justdial ECS or E-NACH mandate linked to their Kotak bank account.

Step-by-Step Guide to Cancel ECS/E-NACH in Kotak Bank

If you want to stop Justdial’s ECS/E-NACH mandate in Kotak Bank, you first need to install the Kotak Bank Mobile App. Then, log in by entering your details. If you’re using the app for the first time, you will need to register first.

If you want to stop the Justdial ECS/E-NACH mandate from your Kotak bank account, follow these steps:

👉 Using Kotak Mobile Banking App

1. Install the Kotak Mobile Banking App from Play Store or App Store.
2. Log in/Register with your account details.
3. Scroll down to find the “Service Requests” section.
4. Tap on “Account Service Request”.
5. Now select “NACH Cancellation”.
6. Your account number will appear on top, and below that, you’ll see all active ECS/E-NACH mandates.
7. Select the Justdial mandate and tap “Cancel”.
8. A confirmation popup will appear: “ECS/E-NACH Mandate Successfully Cancelled”.
9. You’ll also receive an SMS on your registered mobile number.

✅ Your ECS/E-NACH mandate is now cancelled!

After Canceling the ECS/E-NACH Mandate — What About Justdial Services?

• If you’re permanently stopping the service, then you’re done.
• However, if you want to continue using Justdial, you can still make manual payments.
• Justdial usually sends a payment link to your registered number.
• Important Tip: Before making a payment, always verify the sender’s number on WhatsApp (look for a blue tick or verified badge).
• If unsure, speak to the Justdial representative visiting your location.

Conclusion

Many users choose to cancel ECS/E-NACH mandates to avoid penalties from the bank. Kotak Bank charges ₹590 each time there’s a failed auto-debit due to insufficient balance. If balance is not maintained, penalties can apply again and again.

But don’t worry—if you still wish to use the Justdial service, manual payments are always an option.

We hope this blog helped you. If you’ve had a similar experience, feel free to share it in the comments below.
Thanks for reading! If you want a guide on any other topic, let us know in the comments too. 🙌