Lok Sabha Question No. 3270 (UNSTARRED), answered on 2015-12-18
Subject: ATM Network
Ministry: FINANCE
Asked by: RAJESH VERMA

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 3270

TO BE ANSWERED ON 18 th DECEMBER, 2015 (FRIDAY)/AGRAHAYANA 27, 1937 (SAKA)

## ATM Network

## Question

pleased to state:

## 3270. SHRI RAJESH VERMA:

Will the Minister of FINANCE be

- (a) the norms laid down for installing Automated Teller Machines (ATMs) by the public and private sector banks;
- (b) whether the Government has any special provision for opening of ATMs in rural areas, if so, the details thereof along with the number of ATMs currently operating in the country, bank and State-wise;
- (c) the number of average daily transactions on each ATM has been consistently decreasing during the last three years and if so, the details thereof; and
- (d) the steps taken / being taken by the Government to ensure in rural areas in the country?

## Answer The Minister of State in the Ministry of Finance

## (SHRI JAYANT SINHA)

(a) to (d) Reserve Bank of India (RBI) has informed that all Scheduled Commercial Banks (SCBs) (excluding Regional Rural Banks) do not need to obtain permission of RBI for installation of ATMs at branches and extension counters for which they hold licenses issued by RBI. SCBs can also install Off-site ATMs without the permission of RBI subject to certain conditions. The number of ATMs deployed by Scheduled Commercial Banks throughout India as on September 30, 2015 is 189844. Bank-wise list and State-wise list of deployment of ATMs are given at Annexure-1 and Annexure - 2 respectively.

To further the expansion of ATM network, RBI decided in 2012, to permit non-bank entities incorporated in India under the Companies Act 1956, to set up, own and operate ATMs in India. Non-bank entities that intend setting up, owning and operating ATMs, are christened 'White Label ATM Operators' (WLAO) and

- more ATMs

such ATMs are called 'White Label ATMs' (WLAs). Three different schemes are available to WLAOs for setting of WLAs which incentivize setting up of WLAs in Tier III to Tier VI centres (population less than 50000). As on 31.10.2015, 10983 WLAs have been set up.

RBI has informed that average number of daily transactions through ATMs for SCBs are as under:

| As on     |   Total Transactions at ATMs |   Number of ATMs |   No. of average daily transactions at ATMs |
|-----------|------------------------------|------------------|---------------------------------------------|
| Sept. 15  |                    655298030 |           189844 |                                      115.06 |
| March, 15 |                    624642413 |           181398 |                                      111.08 |
| March, 14 |                    571794209 |           160055 |                                      115.24 |

******

## ANNEXURE - 1

| Lok Sabha Q. No. 3270 for 18.12.2015 - Bank-wise deployment of ATMs as at 30.09.2015   | Lok Sabha Q. No. 3270 for 18.12.2015 - Bank-wise deployment of ATMs as at 30.09.2015   | Lok Sabha Q. No. 3270 for 18.12.2015 - Bank-wise deployment of ATMs as at 30.09.2015   | Lok Sabha Q. No. 3270 for 18.12.2015 - Bank-wise deployment of ATMs as at 30.09.2015   | Lok Sabha Q. No. 3270 for 18.12.2015 - Bank-wise deployment of ATMs as at 30.09.2015   | Lok Sabha Q. No. 3270 for 18.12.2015 - Bank-wise deployment of ATMs as at 30.09.2015   |
|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------|
| Bank Name                                                                              | Metro Centres                                                                          | Urban Centers                                                                          | Semi - Urban Centres                                                                   | Rural Centres                                                                          | Total                                                                                  |
| Nationalised Banks                                                                     |                                                                                        |                                                                                        |                                                                                        |                                                                                        |                                                                                        |
| Allahabad Bank                                                                         | 279                                                                                    | 387                                                                                    | 268                                                                                    | 239                                                                                    | 1173                                                                                   |
| Andhra Bank                                                                            | 506                                                                                    | 673                                                                                    | 663                                                                                    | 445                                                                                    | 2287                                                                                   |
| Bank of Baroda                                                                         | 2861                                                                                   | 2486                                                                                   | 2161                                                                                   | 2136                                                                                   | 9644                                                                                   |
| Bank of India                                                                          | 1196                                                                                   | 2501                                                                                   | 2226                                                                                   | 1793                                                                                   | 7716                                                                                   |
| Bank of Maharashtra                                                                    | 462                                                                                    | 388                                                                                    | 442                                                                                    | 567                                                                                    | 1859                                                                                   |
| Canara Bank                                                                            | 2514                                                                                   | 2364                                                                                   | 2317                                                                                   | 1937                                                                                   | 9132                                                                                   |
| Central Bank of India                                                                  | 1008                                                                                   | 1047                                                                                   | 1321                                                                                   | 1674                                                                                   | 5050                                                                                   |
| Corporation Bank                                                                       | 739                                                                                    | 733                                                                                    | 926                                                                                    | 600                                                                                    | 2998                                                                                   |
| Dena Bank                                                                              | 346                                                                                    | 321                                                                                    | 336                                                                                    | 463                                                                                    | 1466                                                                                   |
| Indian Bank                                                                            | 562                                                                                    | 720                                                                                    | 745                                                                                    | 657                                                                                    | 2684                                                                                   |
| Indian Overseas Bank                                                                   | 808                                                                                    | 920                                                                                    | 1042                                                                                   | 977                                                                                    | 3747                                                                                   |
| Oriental Bank of Commerce                                                              | 609                                                                                    | 696                                                                                    | 661                                                                                    | 585                                                                                    | 2551                                                                                   |
| Punjab and Sind Bank                                                                   | 168                                                                                    | 382                                                                                    | 254                                                                                    | 518                                                                                    | 1322                                                                                   |
| Punjab National Bank                                                                   | 1835                                                                                   | 2581                                                                                   | 1656                                                                                   | 2550                                                                                   | 8622                                                                                   |
| Syndicate Bank                                                                         | 748                                                                                    | 840                                                                                    | 920                                                                                    | 1084                                                                                   | 3592                                                                                   |
| UCO Bank                                                                               | 397                                                                                    | 542                                                                                    | 609                                                                                    | 702                                                                                    | 2250                                                                                   |
| Union Bank of India                                                                    | 1938                                                                                   | 1881                                                                                   | 1684                                                                                   | 1406                                                                                   | 6909                                                                                   |
| United Bank of India                                                                   | 266                                                                                    | 549                                                                                    | 506                                                                                    | 678                                                                                    | 1999                                                                                   |
| Vijaya Bank                                                                            | 370                                                                                    | 414                                                                                    | 389                                                                                    | 323                                                                                    | 1496                                                                                   |
| State Bank Group                                                                       |                                                                                        |                                                                                        |                                                                                        |                                                                                        |                                                                                        |
| State Bank of India                                                                    | 9770                                                                                   | 15507                                                                                  | 15449                                                                                  | 6900                                                                                   | 47626                                                                                  |
| State Bank of Bikaner &Jaipur                                                          | 394                                                                                    | 553                                                                                    | 661                                                                                    | 314                                                                                    | 1922                                                                                   |
| State Bank of Hyderabad                                                                | 492                                                                                    | 727                                                                                    | 781                                                                                    | 348                                                                                    | 2348                                                                                   |
| State Bank of Mysore                                                                   | 329                                                                                    | 354                                                                                    | 347                                                                                    | 331                                                                                    | 1361                                                                                   |
| State Bank of Patiala                                                                  | 204                                                                                    | 411                                                                                    | 398                                                                                    | 473                                                                                    | 1486                                                                                   |
| State Bank of Travancore                                                               | 115                                                                                    | 404                                                                                    | 1003                                                                                   | 112                                                                                    | 1634                                                                                   |
| Other Public Sector Banks                                                              |                                                                                        |                                                                                        |                                                                                        |                                                                                        |                                                                                        |
| IDBI Bank                                                                              | 818                                                                                    | 1222                                                                                   | 780                                                                                    | 383                                                                                    | 3203                                                                                   |
| Total                                                                                  | 29734                                                                                  | 39603                                                                                  | 38545                                                                                  | 28195                                                                                  | 136077                                                                                 |
| Private Sector Banks                                                                   |                                                                                        |                                                                                        |                                                                                        |                                                                                        |                                                                                        |
| Catholic Syrian Bank Ltd.                                                              | 42                                                                                     | 85                                                                                     | 102                                                                                    | 7                                                                                      | 236                                                                                    |
| City Union Bank Ltd                                                                    | 187                                                                                    | 536                                                                                    | 409                                                                                    | 113                                                                                    | 1245                                                                                   |
| Dhanalaxmi Bank Ltd.                                                                   | 132                                                                                    | 115                                                                                    | 124                                                                                    | 27                                                                                     | 398                                                                                    |
| Federal Bank Limited                                                                   | 233                                                                                    | 326                                                                                    | 849                                                                                    | 115                                                                                    | 1523                                                                                   |
| Jammu &Kashmir Bank                                                                    | 45                                                                                     | 387                                                                                    | 264                                                                                    | 226                                                                                    | 922                                                                                    |
| Karnataka Bank Ltd.                                                                    | 328                                                                                    | 378                                                                                    | 282                                                                                    | 112                                                                                    | 1100                                                                                   |
| Karur Vysya Bank Ltd                                                                   | 369                                                                                    | 535                                                                                    | 571                                                                                    | 177                                                                                    | 1652                                                                                   |
| Lakshmi Vilas Bank Ltd.                                                                | 198                                                                                    | 265                                                                                    | 268                                                                                    | 89                                                                                     | 820                                                                                    |
| Ratnakar Bank Ltd.                                                                     | 124                                                                                    | 98                                                                                     | 96                                                                                     | 39                                                                                     | 357                                                                                    |

| South Indian Bank Ltd          | 213   | 322     | 579   | 146   | 1260   |
|--------------------------------|-------|---------|-------|-------|--------|
| Tamilnadu Mercantile Bank Ltd. | 82    | 210     | 420   | 212   | 924    |
| Axis (UTI) Bank Ltd.           | 4233  | 3569.00 | 3108  | 1442  | 12352  |
| Development Credit Bank Ltd.   | 201   | 76      | 69    | 27    | 373    |
| HDFC Bank Ltd.                 | 4731  | 3275    | 2669  | 1011  | 11686  |
| ICICI Bank Ltd.                | 7252  | 3453    | 1794  | 465   | 12964  |
| IndusInd Bank Ltd              | 857   | 455     | 170   | 96    | 1578   |
| Kotak Mahindra Bank Ltd        | 1285  | 226     | 176   | 247   | 1934   |
| Yes Bank Ltd.                  | 824   | 404     | 121   | 22    | 1371   |
| Total                          | 21336 | 14715   | 12071 | 4573  | 52695  |
| Foreign Banks                  |       |         |       |       |        |
| RBS (ABN AMRO)                 | 50    | 8       | 0     | 0     | 58     |
| CITI Bank                      | 415   | 111     | 20    | 31    | 577    |
| DBS Ltd.                       | 30    | 0       | 0     | 0     | 30     |
| Deutsche Bank                  | 19    | 11      | 0     | 0     | 30     |
| FirstRand Bank                 |       | 9       |       |       | 9      |
| HSBC                           | 97    | 24      | 1     | 1     | 123    |
| Standard Chartered             | 188   | 57      | 0     | 0     | 245    |
| Total                          | 799   | 220     | 21    | 32    | 1072   |
| Grand Total                    | 51869 | 54538   | 50637 | 32800 | 189844 |

Annexure - 2

| Lok Sabha Question No. 3270 for 18.12.2015 - State/UT-wise Deployment of ATMs   | Lok Sabha Question No. 3270 for 18.12.2015 - State/UT-wise Deployment of ATMs   | Lok Sabha Question No. 3270 for 18.12.2015 - State/UT-wise Deployment of ATMs   |
|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------|
| Sr. No.                                                                         | State / UT                                                                      | Number of ATMs Deployed                                                         |
| 1                                                                               | ANDAMAN & NICOBAR                                                               | 105                                                                             |
| 2                                                                               | ANDHRA PRADESH                                                                  | 8401                                                                            |
| 3                                                                               | ARUNACHAL PRADESH                                                               | 206                                                                             |
| 4                                                                               | ASSAM                                                                           | 3465                                                                            |
| 5                                                                               | BIHAR                                                                           | 6188                                                                            |
| 6                                                                               | CHANDIGARH                                                                      | 748                                                                             |
| 7                                                                               | CHHATISGARH                                                                     | 2790                                                                            |
| 8                                                                               | DADRA NAGAR HAVELI                                                              | 116                                                                             |
| 9                                                                               | DAMAN                                                                           | 91                                                                              |
| 10                                                                              | DELHI                                                                           | 8213                                                                            |
| 11                                                                              | DIU                                                                             | 390                                                                             |
| 12                                                                              | GOA                                                                             | 995                                                                             |
| 13                                                                              | GUJARAT                                                                         | 10999                                                                           |
| 14                                                                              | HARYANA                                                                         | 6027                                                                            |
| 15                                                                              | HIMACHAL PRADESH                                                                | 1657                                                                            |
| 16                                                                              | JAMMU AND KASHMIR                                                               | 2227                                                                            |
| 17                                                                              | JHARKHAND                                                                       | 3169                                                                            |
| 18                                                                              | KARNATAKA                                                                       | 15232                                                                           |

Source: RBI

| 19   | KERALA         |   8342 |
|------|----------------|--------|
| 20   | LAKSHWADEEP    |    152 |
| 21   | MADHYA PRADESH |   9043 |
| 22   | MAHARASHTRA    |  22212 |
| 23   | MANIPUR        |    292 |
| 24   | MEGHALAYA      |    367 |
| 25   | MIZORAM        |    138 |
| 26   | NAGALAND       |    279 |
| 27   | ORISSA         |   5614 |
| 28   | PONDICHERRY    |    415 |
| 29   | PUNJAB         |   7077 |
| 30   | RAJASTHAN      |   8016 |
| 31   | SIKKIM         |    171 |
| 32   | TAMIL NADU     |  19423 |
| 33   | TELANGANA      |   8183 |
| 34   | TRIPURA        |    419 |
| 35   | UTTAR PRADESH  |  15995 |
| 36   | UTTARAKHAND    |   2343 |
| 37   | WEST BENGAL    |  10344 |
|      | TOTAL          | 189844 |

Source: RBI