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Why Finkeda for
Balance Enquiry?

No Internet Banking or Smartphone Needed
Customers only need a debit card and PIN. No apps or smartphones required. This makes balance checks easy for all, even in low-tech areas.
Works in Rural and Underserved Regions
Whether you are in a Tier 2 town or a small village, Micro ATMs works anywhere with basic connectivity, bringing banking services to those who need it most.
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Instant Commission for Every Enquiry
As a merchant, you earn a commission for every successful balance enquiry. It's a simple way to build recurring income while offering useful services.
Safe and Verified Transactions
Each balance enquiry is processed securely through NPCI’s network, using bank-grade encryption to ensure safety for both merchant and customer.
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Get Started in 2 Simple Steps

Start offering balance enquiry services in your shop with a quick and easy setup.
Step 1
1
Merchant Onboarding
Sign up for mATM services through the Finkeda portal. Submit documents and complete KYC. Once verified, your Micro ATM device is activated.
Step 2
2
Balance Enquiry Process
Log in to the device. Customer inserts their debit card and enters their PIN. Select "Balance Enquiry". The transaction is processed through the banking network. The customer's available balance is shown on screen. A receipt can be printed if needed. Both the customer and the merchant receive confirmation instantly.
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Key Features & Benefits

01
No Smartphone or App Required
Customers only need a debit card and PIN. There is no need for mobile banking apps, smartphones, or internet data. This allows even the digitally uninitiated to access balance enquiry services at your store.
No Smartphone or App Required
02
Optimised for Low-Connectivity Areas
The Finkeda Micro ATM device is lightweight, portable and built to work with basic GPRS or 2G/3G networks. It functions reliably in rural or semi-urban zones where full-service ATMs and stable internet are hard to find.
Optimised for Low-Connectivity Areas
03
Guaranteed Commission on Every Enquiry
Every balance enquiry triggers a fixed commission to your Finkeda wallet automatically, with no delay. You can offer a high-demand banking service while building a dependable income stream from even the smallest transactions.
Guaranteed Commission on Every Enquiry
04
NPCI-Integrated, Bank-Grade Security
Every transaction is routed through NPCI's secure payment rails. Card data and PIN entries are encrypted using RBI-compliant protocols, ensuring customers' sensitive financial information stays protected at all times.
NPCI-Integrated, Bank-Grade Security
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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.