Lok Sabha Question No. 892 (UNSTARRED), answered on 2018-12-14
Subject: ATM Penetration
Ministry: FINANCE
Asked by: Nagendra Pratap Singh Patel, SUNIL BALIRAM GAIKWAD, VEENA DEVI, CHINTAMANI MALVIYA, KAUSHAL KISHORE, MURALI MOHAN MAGANTI

## GOVERNMENT OF INDIA

## MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 892

TO BE ANSWERED ON DECEMBER\_ 2018 (FRIDA YVAGRAHAYANA 23, 1940 (SAKA) 14th

## ATM Penetration

892 SHRI NAGENDRA PRATAP SINGH PATEL: DR. SUNIL BALIRAM GAIK WAD: SHRIMATI VEENA DEVI: PROF\_ CHINTAMANI MALVIYA: SHRI KAUSHAL KISHORE: SHRI M: MURALI MOHAN:

Will the Minister of FINANCE be pleased t0 state:

- b) whether Government is aware that barring the metros and urban centres. people in States like Uttar Pradesh; Maharashtra, Bihar, West Bengal\_ Madhya Pradesh and others have to travel 40 km or more to access an ATM, if so. the steps taken by the Government t0 instal more ATMs in all States/UTs:
2. (a) whether India has among the countries having lowest Automated Teller Machine (ATM) penetration globally, if the reasons therefor with the number of Automated Teller Machines that are in operation in the country: along
3. (c) whether nearly 50 per cent of ATMs are expected to be shut down by Mareh 2019. if so\_ the details thereof and the reasons therefor along with the extent to which it is likely to affect people in urban and rural areas including those persons who are likely to lose their
4. jobs as a result of closure of the ATMs;
5. whether the people have to face problems due to non-upgradation of ATMs and disbursal of fake currency, if so. the measures taken to reetify the same with the steps taken by the Government to resolve the problems of deposit and withdrawal of money on account of per cent closure of ATMs; and being along fifty
6. whether most of the ATMs in urban and rural areas are white label ATMs and if so the alternative arrangements made for beneficiaries of Government schemes who use these ATMs for withdrawing subsidies?

## Answer Minister of State in the Ministry of Finance

## The (SHRI SHIV PRATAP SHUKLA)

- and (b) As informed by Reserve Bank of' India (RBI) nO such comparable data is available with them. As reported by the Scheduled Commereial Banks (SCBs) . Small Finance Banks (PBs) and White Label ATM Operators

Apart from ATMs, banking services across the country are provided through bank branches;   inter-operable Business Correspondents (BCs) with micro-ATMs etc. Further, mobile banking services and various digital modes of banking faeilities are also available in India:

Under Pradhan Mantri Jan-Dhan  Yojana (PMJDY) as informed by banks. all villages were BCs.

- (c) As by the Public Sector Banks (PSBs). do have any plan t0 shut down their ATMs: they not apprised
- Control measures for ATMs Timeline for compliance" advised banks to initiate  immediate   action to  implement the control ineluding up-gradation of software in a time bound manner and t0 closely monitor the compliance. vide its circular dated 27.8.2015 Security and Risk Mitigation Measures for Card Present and Electronic Payment Transactions Issuance of EMV Chip and PIN Cards advised banks t0 ensure that all active cards issued by them are EMV Chip and Pin based by December 31. 2018. As the problem due to disbursal of' fake currency, RBL issued the Master Circular Detection and Impounding of Counterfeit Notes" dated 20.7.2016 advising banks t0 ensure before loading ATM with notes etc. regards
- (e) As informed by RBI; out of total 2.21  lakh ATMs deployed in the country aS 30.9.2018 only 15.626 ATMs are deployed by WLAOs while rest are operated by banks: Further, in urban and rural regions, the total number of ATMs deployed by by WLAOs. For a customer: there is no differenee between using a normal ATM and a WLA These ATMs are interoperable and cards of all banks can be used at both types of ATMs: