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ECS (Electronic Clearing System) is an electronic mode of funds transfer from one Bank account to another based on the ECS mandate.

It can be used by institutions for making payments such as distribution of dividend interest, salary, and pension, among others. The National Payments Corporation of India (NPCI) offers to Banks, Financial institutions, Corporates and Government/s a service known as "National Automated Clearing House (NACH)" which includes both Debit and Credit. This service referred as NACH Debit/Credit.

NACH aims at facilitating electronic Interbank High or Low Volume Debit/Credit transactions which are repetitive in nature