AEPS Withdrawals
Aadhaar Enabled Payment System — customers withdraw cash, check balances and get mini statements using only a fingerprint.
Applications open across all States & UTs
Bring Banking To Your Town.
Bring Banking To Your Town.
Become a CSP or BC Point.
Bank BC helps you apply for a Customer Service Point (CSP) or Business Correspondent outlet in your area. We check your eligibility, prepare your documents and guide you through every stage of the bank’s application process — so you can serve your community and build an income from it.
Bank-specific eligibility check
End-to-end document help
Callback within working hours
36
States & UTs we accept applications from
10+
Banking services offered at a CSP point
40+
Banks & institutions in our application list
All Days
Support available, 9 AM to 9 PM
The Basics
What exactly is a CSP or BC point?
A Customer Service Point is a small, authorised banking outlet run by a local entrepreneur on behalf of a bank. A Business Correspondent is the person or agency appointed to deliver those services. In everyday language, people call it a mini bank, Bank Mitra or Grahak Seva Kendra.
The idea comes from the Reserve Bank of India’s financial inclusion framework, which allows banks to appoint retail outlets to reach villages, small towns and neighbourhoods where a full branch is not practical. You handle everyday banking — cash withdrawals, deposits, transfers, account opening and bill payments — using a laptop, a printer, an internet connection and a biometric scanner.
You earn a commission on the transactions you process. The bank keeps custody of the money and the compliance rules; you provide the location, the equipment and the service.
Read more about how we helpA local outlet
A small shop or counter in your own area, working under a bank’s authorisation.
Commission based
You are paid per transaction and per service by the bank, as per its published rates.
Serves your community
Neighbours, farmers and small traders bank close to home instead of travelling.
Low setup
A modest space plus basic equipment — far less than any conventional franchise.
What You Can Offer
Services you can run from your banking point
Once your outlet is live, these are the services customers will come to you for. The exact list depends on the bank you are appointed under.
Micro ATM Services
Card-based cash withdrawal and balance enquiry through a handheld micro ATM device linked to the bank.
Money Transfer (DMT)
Domestic money transfer so migrant workers and families can send money home instantly and safely.
Account Opening
Open savings accounts, Jan Dhan accounts and fixed or recurring deposits with full KYC at your counter.
Bill Payments & BBPS
Electricity, water, gas, broadband, DTH and mobile recharges through the Bharat Bill Payment System.
Deposits & Withdrawals
Accept cash deposits and process withdrawals for account holders within the bank’s prescribed limits.
Insurance & Pension
Enrol customers in government schemes such as PMJJBY, PMSBY and the Atal Pension Yojana.
PAN & Utility Services
PAN card applications and other citizen services, depending on what your bank and partners permit.
CMS Cash Collection
Cash management services — collecting instalments and payments on behalf of partnered institutions.
Service availability varies by bank, location and the category of appointment granted to you.
Why Bank BC
Applying alone is confusing. We make it straightforward.
Most applications stall because of a missing document, the wrong bank choice or a form filled in incorrectly. Our job is to remove those obstacles before they cost you time.
One enquiry, several options
Tell us your city and preference once. We tell you which banks are realistically taking applications in your area rather than sending you chasing one branch.
Documents done properly
We give you an exact checklist for your chosen bank, review what you send, and flag problems before your file reaches the bank.
Clear, honest process
We explain what is decided by the bank and what is not. We never promise an approval, because no intermediary can honestly guarantee one.
Setup guidance
Advice on the laptop, printer, biometric scanner and internet connection you will need, so you are not overspending on the wrong equipment.
Training on the services
Walkthroughs of AEPS, money transfer, account opening and bill payments so you are confident from your very first customer.
Support after go-live
Questions do not stop on day one. Reach our team for help with settlements, technical issues and service queries as you grow.
How It Works
From first enquiry to your first customer
Every bank runs its own selection process, so timelines differ. This is the path most applicants follow when they work with us.
1
Share your details
Fill in the short form with your name, location and preferred bank. It takes under a minute.
2
Free eligibility check
We call you back, confirm the basics and tell you honestly whether your profile and location fit.
3
Documents prepared
You receive an exact checklist. We review everything you send and correct issues early.
4
Application submitted
Your file goes to the bank or its authorised Corporate BC through the correct channel.
5
Verification & approval
The bank verifies your details and premises. The decision rests entirely with the bank.
6
Setup and go live
Once approved, you receive your login and equipment guidance, then begin serving customers.
Before You Apply
Eligibility and documents at a glance
Requirements differ slightly from bank to bank. These are the conditions and papers asked for in almost every case.
Who can apply
- Indian citizen, usually aged 18 years or above (some banks require 21+)
- Minimum 10th or 12th standard pass, depending on the bank’s policy
- Basic computer and smartphone literacy
- A shop, cabin or room of roughly 100–150 sq ft in the proposed location
- Laptop or desktop, printer, biometric scanner and a reliable internet connection
- A clean financial record with no history of default or fraud
- Willingness to complete IIBF certification where the bank requires it
- Resident of, or established in, the area you wish to serve
Documents to keep ready
- Aadhaar card of the applicant
- PAN card of the applicant
- Recent passport-size photographs
- Educational qualification certificate
- Proof of the proposed shop or premises — ownership papers or rent agreement
- Bank account details with a cancelled cheque or passbook copy
- Photographs of the shop, inside and outside
- Police verification or character certificate, where the bank asks for it
Common Questions
Answers before you apply
A Business Correspondent is the person or agency the bank appoints to provide banking services on its behalf. A Customer Service Point is the physical outlet where those services are delivered. In practice the two words are used interchangeably, and people also call it a Bank Mitra, mini bank or Grahak Seva Kendra.
You need a dedicated space, but it does not have to be owned by you. A rented shop, cabin or room of roughly 100 to 150 square feet is normally acceptable, provided you can produce a valid rent agreement and the location suits the bank’s requirements for that area.
It depends entirely on the bank, the completeness of your documents and whether that bank is currently expanding in your area. Some applications move quickly, others take considerably longer or are not taken forward at all. We will keep you updated at each stage, but we cannot control or predict the bank’s internal timeline.
No, and you should be cautious of anyone who says otherwise. Bank BC is an independent service provider. The decision to appoint a CSP or Business Correspondent belongs solely to the bank or its authorised Corporate BC. What we can do is make sure your application is complete, accurate and submitted through the correct channel.
Your main costs are the space, the equipment (computer, printer, biometric scanner, internet) and your working cash float. The amount varies widely by location and by how much of this you already own, so we will not quote a figure until we understand your situation. Any security deposit is set by the bank, not by us.
You earn a commission on the transactions and services you process, at rates published by the bank you are appointed under. Earnings depend on your footfall, your location and the mix of services you offer. We will not quote guaranteed monthly income figures, because nobody can responsibly promise that.
Many banks require Business Correspondent agents to hold certification from the Indian Institute of Banking & Finance. Where it applies, it can usually be completed during or after the selection process. We will tell you whether your chosen bank asks for it.
We work with a wide range of institutions — public sector banks such as SBI, PNB, Bank of Baroda, Canara Bank and Union Bank of India; private banks including HDFC Bank, ICICI Bank, Axis Bank and IDFC FIRST Bank; small finance banks; and payments banks such as India Post Payments Bank, Airtel Payments Bank and Fino Payments Bank. Which of them is actually appointing in your district changes over time, so tell us your pincode and we will tell you the current position.
Ready When You Are
Take the first step towards your own banking point
Share a few details and our team will call you back to check your eligibility and explain exactly what happens next.