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Why Finkeda for
AEPS Cash Deposit?

No Card or Form Needed
Customers can deposit funds using biometric authentication. No need for cheques, slips, or debit cards. Just Aadhaar and a fingerprint.
Serve the Underserved
Bring formal banking to villages, tier-3 towns, and remote belts where bank branches are far and few. Your shop becomes the go-to deposit point.
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Instant Credits, Real-Time Commissions
Cash deposits are credited directly into the customer’s bank account. Merchants get commission instantly after each successful transaction.
Secure, Verified Transactions
Each deposit is routed through NPCI’s AEPS platform with biometric verification approved by UIDAI. Secure, compliant and trusted.
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Get Started in 4 Easy Steps

A seamless way to offer Aadhaar-based deposit services from your store.
Step 1
1
Visit the Finkeda Merchant Outlet
Customers arrive at your Finkeda Saathi store. Requests to deposit cash into their bank account. You initiate the Aadhaar-based deposit process.
Step 2
2
Aadhaar & Bank Selection
Customers provide their 12-digit Aadhaar number. Select the bank linked to the Aadhaar from the list. You enter these details into the Finkeda system.
Step 3
3
Fingerprint Authentication
Customers place their fingers on the scanner. Fingerprint is verified through secure Aadhaar-based e-KYC. System confirms the customer identity for the transaction.
Step 4
4
Deposit Complete
Customer gives the deposit amount to you. Funds are credited instantly to their selected bank account. Digital receipt is generated, and your commission is credited.
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Key Features & Benefits

01
Fully Paperless Transactions
No forms, no slips. Deposits are initiated digitally with Aadhaar and fingerprint only.
Fully Paperless Transactions
02
Works Across Major Banks
Supports all major public and private banks listed under the NPCI AEPS network.
Works Across Major Banks
03
Instant Settlement + Commission
Both customers and merchants get instant confirmation. Your commission is credited the moment the transaction succeeds.
Instant Settlement + Commission
04
Easy to Operate
The system is designed to be user-friendly and requires no complex banking knowledge. Works smoothly in low-network areas.
Easy to Operate
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Our Partners

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Frequently
Asked Questions

Are There Any Transaction Limits?

Yes, there are limits set by individual banks and NPCI. Usually, a customer can withdraw up to ₹10,000 per transaction. Some banks may set daily or monthly limits too. The Finkeda Saathi informs customers about any limits before proceeding.

Can I Access Government Subsidies Via Aadhaar Banking?

Yes. Customers can access subsidies and welfare benefits credited to their bank account through Aadhaar. With a fingerprint check at the Finkeda Saathi outlet, the amount can be withdrawn instantly. This makes subsidy access simple for rural families.

How Do I Offer Aadhaar Banking Services?

To become a Finkeda Saathi, register and complete the simple onboarding process. We provide the device, training, and support. Once setup is done, you can start offering Aadhaar-based services like cash withdrawal, mini statements, and earn commission on every transaction.

How Many Transactions Does NPCI’s AePS/Aadhaar Banking Handle?

NPCI’s AePS platform processes over 20 crore transactions monthly across India. It shows how widely Aadhaar banking is used, especially in rural areas. Finkeda Saathis contribute by offering these services to people who rely on Aadhaar for everyday banking.

How Does Aadhaar Banking Support Financial Inclusion?

It brings banking to places where banks don’t exist. People without smartphones or debit cards can access services using only Aadhaar. No travel, no paperwork. Aadhaar banking helps daily wage workers, farmers, and elderly citizens manage their money safely and close to home.

Is This Service Available Anytime?

Yes. Aadhaar banking services like balance checks and cash withdrawals work 24×7. Finkeda Saathis are often open during weekends and holidays too. This helps customers access money even when banks are closed or far away.

Is Aadhaar Banking Secure?

Yes. Every transaction is verified using the customer’s fingerprint and Aadhaar number. Data is encrypted and processed through NPCI. No PIN or card is used, which lowers fraud risk. Finkeda Saathis also receive secure, certified devices and system support for safe transactions.

What’s Required to Use Aadhaar Banking?

Customers need a bank account linked to Aadhaar and their fingerprint. For the Finkeda Saathi, a smartphone, internet, and biometric device are enough to offer services. No large setup is needed. Aadhaar and fingerprint match is all that’s required to complete transactions.

Who Is Eligible for Aadhaar Banking?

Anyone with a bank account linked to their Aadhaar number can use Aadhaar banking. It helps people in rural and small-town areas who may not have access to debit cards or smartphones. They only need their Aadhaar number and fingerprint for verification.

What Services Come Under Aadhaar Banking?

Aadhaar banking includes cash withdrawals, balance enquiry, mini statements, and Aadhaar Pay. All services are done using Aadhaar and fingerprint, without needing a card or PIN. With just a visit to a Finkeda Saathi, rural customers can access essential banking services safely and quickly, right near their homes.

Is Balance Enquiry Available During Holidays or After Hours?

Yes. Services through AePS and Micro-ATM work even on weekends and holidays. Most Finkeda Saathis stay open beyond bank hours. So, you can check your balance or withdraw money when banks are closed. It’s helpful during emergencies or outside regular working times.

How Does This Service Enhance Financial Inclusion?

It gives people in small towns easy access to banking. No travel, no long lines. Just Aadhaar or a card and a quick visit to the Finkeda Saathi. It helps elderly people, daily wage workers, and others manage their money easily, safely, and close to home.