Aadhaar Enabled Payment System

Empower financial inclusion with biometric-enabled payments. Access cash services, transfers, and inquiries anywhere using Aadhaar authentication - no cards or PINs needed.

User-Centric Innovation

Our platform offers multilingual support and voice-guided interfaces, making AEPS accessible to 80% of low-literacy users and boosting adoption in tier-3 cities.

230 Cr Biometric Verifications

Secure fingerprint and face authentication reaching over 230 crore users monthly, powering India's digital economy with UIDAI-backed verification.

Financial Inclusion Reach

Extending banking to 370M+ rural users via micro-ATMs, enabling cardless access for unbanked households and bridging urban-rural gaps.

What is AEPS?

Aadhaar Enabled Payment System (AEPS) is a revolutionary banking service by NPCI that allows Aadhaar-linked account holders to perform secure transactions using biometrics. Launched to promote financial inclusion, AEPS enables cash withdrawals up to ₹50,000, deposits, balance inquiries, mini-statements, and fund transfers without needing debit cards, PINs, or smartphones. It's ideal for rural and underserved areas, connecting users to 300+ banks through micro-ATMs and business correspondents.

Biometric Security

Fingerprint or iris authentication via Aadhaar ensures fraud-resistant transactions. No need for cards or passwords - just your unique biometric data for instant verification. This multi-layered security model protects against unauthorized access and supports India's digital economy.

Micro-ATM Access

Available at 650,000+ touchpoints across India, including local agents and retail outlets. Perform banking at your doorstep, supporting government schemes like MGNREGA, pensions, and direct benefit transfers to millions of unbanked households.

Inter-Bank Transfers

Seamless intra-bank and inter-bank fund transfers between Aadhaar-linked accounts. Real-time processing via NPCI with daily limits for safe, efficient operations. Enables instant remittances without traditional banking infrastructure.

Key Benefits for Users & Businesses

  • Financial Inclusion: Extends banking to unbanked populations in remote areas without branches, supporting 1.3 billion Aadhaar users.
  • Cost-Effective Operations: Low transaction fees (₹10-15 per service) and no infrastructure costs for banks using existing agent networks.
  • Enhanced Security: Biometrics + AI fraud detection minimize risks with end-to-end encryption and UIDAI verification.
  • Doorstep Convenience: 24/7 access via 2.5 lakh+ agents; supports DBT for subsidies, pensions, and welfare schemes.
  • Scalable Fintech Integration: APIs connect with UPI, BBPS, and international payments for 2025 digital expansion.
  • Agent Empowerment: Earn commissions (₹5-20 per transaction) with real-time dashboards and multi-level agent management.

How AEPS Works - Step by Step

  1. Enter Aadhaar Number: Input your 12-digit Aadhaar at a micro-ATM or agent terminal for account lookup.
  2. Select Service: Choose withdrawal, deposit, balance inquiry, mini-statement, or fund transfer with amount details.
  3. Biometric Authentication: Provide fingerprint or iris scan; UIDAI verifies identity against your Aadhaar profile.
  4. Bank Processing: NPCI routes the request to your bank for real-time authorization and fund movement.
  5. Instant Confirmation: Receive digital receipt and SMS alert; transaction completes in under 10 seconds.
  6. Agent Commission: Service provider earns automated payout; admin panels track all activity for compliance.

Core AEPS Services & Capabilities

Cash Withdrawal

Access up to ₹50,000 daily from Aadhaar-linked accounts at any authorized micro-ATM or business correspondent location across India.

Cash Deposit

Deposit cash directly into your savings account using biometric verification at local retail outlets or agent points nationwide.

Balance Inquiry

Instantly check your current account balance and available funds without visiting a traditional bank branch or using mobile apps.

Mini Statement

View your last 5-10 transactions with amounts, dates, and recipients directly on the micro-ATM display for complete transparency.

Fund Transfer

Secure Aadhaar-to-Aadhaar transfers between any banks, supporting remittances, family payments, and business settlements in real-time.

Admin & Agent Tools

Comprehensive dashboards for transaction monitoring, commission tracking, fraud alerts, and compliance reporting for business scalability.