Lok Sabha Question No. 672 (UNSTARRED), answered on 2016-02-26
Subject: Norms/Criteria for Unstallation of ATMs
Ministry: FINANCE
Asked by: DODDAALAHALLI KEMPEGOWDA SURESH, NALIN KUMAR KATEEL, ARJUN RAM  MEGHWAL

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

## LOK SABHA UNSTARRED QUESTION No. 672

TO BE ANSWERED ON 26 th FEBRUARY, 2016 (FRIDAY)/PHALGUNA 7, 1937 (SAKA)

## Norms/Criteria for Installation of ATMs

## 672. SHRI D.K. SURESH: SHRI NALIN KUMAR KATEEL:

## SHRI ARJUN MEGHWAL:

Will the Minister of FINANCE be pleased to state:

- (a) the norms/criteria fixed for installation of Automated Teller Machines (ATMs) by the public and private sector banks in public places including railway stations;
- (b) whether the demand to open ATMs at railway stations is on the rise and if so, the details thereof;
- (c) the number of ATMs presently functioning in the country including rural areas, bank and State-wise including Karnataka; and
- (d) the steps taken / being taken by the Government for installation of more ATMs in rural areas in the country?

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

## (SHRI JAYANT SINHA)

(a) to (d) As per extant policy of Reserve Bank of India (RBI), all Scheduled Commercial Banks (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. Scheduled Commercial Banks can also install Off-site ATMs without the permission of RBI subject to certain conditions. In order to expand the reach of ATMs in Tier III centre (population between 20,000 to 49,999) to Tier VI centre (population less than 5000), RBI decided to permit non-bank entities incorporated in India under the Companies Act 1956, to set up, own and operate ATMs in India in 2012. Non-bank entities that intend setting up, owning and operating ATMs, are christened 'White Label ATM Operators' (WLAO) and 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. As on 31.12.2015, 11706 WLAs have been set up.

Indian Banks' Association (IBA) has informed that there is growing demand to open ATMs at Railway Stations, especially at Metro Stations. Some White Label ATM operators look for good locations, including railway stations, with potential for large number of ATM hits.

As on 31.12.2015, Scheduled Commercial Banks (SCBs) have 193434 ATMs across the country. Regional-wise deployment of ATMs and State-wise list of ATMs is given in Annexure-1 and Annexure-2 respectively.

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| Regionwise deployment of ATMs of Scheduled Commercial Banks as on 31.12.2015   | Regionwise deployment of ATMs of Scheduled Commercial Banks as on 31.12.2015   | Regionwise deployment of ATMs of Scheduled Commercial Banks as on 31.12.2015   | Regionwise deployment of ATMs of Scheduled Commercial Banks as on 31.12.2015   | Regionwise deployment of ATMs of Scheduled Commercial Banks as on 31.12.2015   | Regionwise deployment of ATMs of Scheduled Commercial Banks as on 31.12.2015   |
|--------------------------------------------------------------------------------|--------------------------------------------------------------------------------|--------------------------------------------------------------------------------|--------------------------------------------------------------------------------|--------------------------------------------------------------------------------|--------------------------------------------------------------------------------|
| Bank Name                                                                      | Metro Centres                                                                  | Urban Centers                                                                  | Semi - Urban Centres                                                           | Rural Centres                                                                  | Total                                                                          |
| Nationalised Banks                                                             |                                                                                |                                                                                |                                                                                |                                                                                |                                                                                |
| Allahabad Bank                                                                 | 285                                                                            | 398                                                                            | 285                                                                            | 241                                                                            | 1209                                                                           |
| Andhra Bank                                                                    | 510                                                                            | 697                                                                            | 665                                                                            | 451                                                                            | 2323                                                                           |
| Bank of Baroda                                                                 | 2390                                                                           | 2929                                                                           | 2320                                                                           | 2201                                                                           | 9840                                                                           |
| Bank of India                                                                  | 1203                                                                           | 2560                                                                           | 2228                                                                           | 1796                                                                           | 7787                                                                           |
| Bank of Maharashtra                                                            | 461                                                                            | 389                                                                            | 443                                                                            | 566                                                                            | 1859                                                                           |
| Canara Bank                                                                    | 2504                                                                           | 2359                                                                           | 2332                                                                           | 1949                                                                           | 9144                                                                           |
| Central Bank of India                                                          | 999                                                                            | 1053                                                                           | 1370                                                                           | 1718                                                                           | 5140                                                                           |
| Corporation Bank                                                               | 732                                                                            | 750                                                                            | 945                                                                            | 613                                                                            | 3040                                                                           |
| Dena Bank                                                                      | 352                                                                            | 324                                                                            | 340                                                                            | 455                                                                            | 1471                                                                           |
| Indian Bank                                                                    | 566                                                                            | 740                                                                            | 759                                                                            | 659                                                                            | 2724                                                                           |
| Indian Overseas Bank                                                           | 819                                                                            | 983                                                                            | 1053                                                                           | 925                                                                            | 3780                                                                           |
| Oriental Bank of Commerce                                                      | 623                                                                            | 701                                                                            | 668                                                                            | 600                                                                            | 2592                                                                           |
| Punjab and Sind Bank                                                           | 169                                                                            | 387                                                                            | 255                                                                            | 522                                                                            | 1333                                                                           |
| Punjab National Bank                                                           | 2059                                                                           | 2314                                                                           | 1959                                                                           | 2552                                                                           | 8884                                                                           |
| Syndicate Bank                                                                 | 763                                                                            | 857                                                                            | 941                                                                            | 1110                                                                           | 3671                                                                           |
| UCO Bank                                                                       | 413                                                                            | 574                                                                            | 667                                                                            | 763                                                                            | 2417                                                                           |
| Union Bank of India                                                            | 1964                                                                           | 1902                                                                           | 1694                                                                           | 1400                                                                           | 6960                                                                           |
| United Bank of India                                                           | 274                                                                            | 558                                                                            | 514                                                                            | 684                                                                            | 2030                                                                           |
| Vijaya Bank                                                                    | 385                                                                            | 429                                                                            | 425                                                                            | 345                                                                            | 1584                                                                           |
| State Bank Group                                                               |                                                                                |                                                                                |                                                                                |                                                                                |                                                                                |
| State Bank of India                                                            | 9676                                                                           | 16052                                                                          | 15759                                                                          | 6975                                                                           | 48462                                                                          |
| State Bank of Bikaner &Jaipur                                                  | 399                                                                            | 515                                                                            | 561                                                                            | 464                                                                            | 1939                                                                           |
| State Bank of Hyderabad                                                        | 496                                                                            | 730                                                                            | 766                                                                            | 358                                                                            | 2350                                                                           |
| State Bank of Mysore                                                           | 336                                                                            | 360                                                                            | 353                                                                            | 335                                                                            | 1384                                                                           |
| State Bank of Patiala                                                          | 204                                                                            | 412                                                                            | 398                                                                            | 476                                                                            | 1490                                                                           |
| State Bank of Travancore                                                       | 126                                                                            | 424                                                                            | 1037                                                                           | 112                                                                            | 1699                                                                           |
| Other Public Sector Banks                                                      |                                                                                |                                                                                |                                                                                |                                                                                |                                                                                |
| IDBI Bank                                                                      | 816                                                                            | 1235                                                                           | 788                                                                            | 386                                                                            | 3225                                                                           |
| Total                                                                          | 29524                                                                          | 40632                                                                          | 39525                                                                          | 28656                                                                          | 138337                                                                         |
| Private Sector Banks                                                           |                                                                                |                                                                                |                                                                                |                                                                                |                                                                                |
| Catholic Syrian Bank Ltd.                                                      | 43                                                                             | 85                                                                             | 104                                                                            | 7                                                                              | 239                                                                            |
| City Union Bank Ltd                                                            | 189                                                                            | 555                                                                            | 415                                                                            | 113                                                                            | 1272                                                                           |
| Dhanalaxmi Bank Ltd.                                                           | 130                                                                            | 115                                                                            | 125                                                                            | 28                                                                             | 398                                                                            |
| Federal Bank Limited                                                           | 235                                                                            | 329                                                                            | 863                                                                            | 121                                                                            | 1548                                                                           |
| Jammu &Kashmir Bank                                                            | 45                                                                             | 404                                                                            | 278                                                                            | 273                                                                            | 1000                                                                           |
| Karnataka Bank Ltd.                                                            | 344                                                                            | 404                                                                            | 301                                                                            | 121                                                                            | 1170                                                                           |
| Karur Vysya Bank Ltd                                                           | 368                                                                            | 536                                                                            | 570                                                                            | 179                                                                            | 1653                                                                           |
| Lakshmi Vilas Bank Ltd.                                                        | 195                                                                            | 265                                                                            | 269                                                                            | 91                                                                             | 820                                                                            |
| Ratnakar Bank Ltd.                                                             | 125                                                                            | 98                                                                             | 97                                                                             | 39                                                                             | 359                                                                            |

| South Indian Bank Ltd          | 215   | 325   | 585   | 147   | 1272   |
|--------------------------------|-------|-------|-------|-------|--------|
| Tamilnadu Mercantile Bank Ltd. | 86    | 222   | 432   | 222   | 962    |
| Axis (UTI) Bank Ltd.           | 4329  | 3632  | 3197  | 1473  | 12631  |
| Development Credit Bank Ltd.   | 211   | 84    | 69    | 33    | 397    |
| HDFC Bank Ltd.                 | 4768  | 3308  | 2737  | 1030  | 11843  |
| ICICI Bank Ltd.                | 7476  | 3568  | 1837  | 491   | 13372  |
| IDFC Bank Ltd                  | 1     | 0     | 0     | 2     | 3      |
| IndusInd Bank Ltd              | 883   | 459   | 181   | 98    | 1621   |
| Kotak Mahindra Bank Ltd        | 1314  | 412   | 192   | 69    | 1987   |
| Yes Bank Ltd.                  | 897   | 432   | 127   | 24    | 1480   |
| Total                          | 21854 | 15233 | 12379 | 4561  | 54027  |
| 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    | 23    | 1     | 1     | 122    |
| Standard Chartered             | 186   | 58    | 0     | 0     | 244    |
| Total                          | 797   | 220   | 21    | 32    | 1070   |
| Grand Total                    | 52175 | 56085 | 51925 | 33249 | 193434 |
| Source: RBI                    |       |       |       |       |        |

| Lok Sabha Q. No. 672 for 26.02.2016 ANNEXURE - 2                                    | Lok Sabha Q. No. 672 for 26.02.2016 ANNEXURE - 2                                    |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|
| State-wise Deployment of ATMs of Scheduled Commercial Banks (SCBs) as on 31.12.2015 | State-wise Deployment of ATMs of Scheduled Commercial Banks (SCBs) as on 31.12.2015 |
| State / UT                                                                          | 97                                                                                  |
| Andaman & Nicobar Andhra Pradesh                                                    | 8582                                                                                |
| Arunachal Pradesh                                                                   | 211                                                                                 |
| Assam                                                                               | 3537                                                                                |
| Bihar                                                                               | 6318                                                                                |
| Chandigarh                                                                          | 757                                                                                 |
| Chhattisgarh                                                                        |                                                                                     |
| Dadra &Nagra Haveli                                                                 | 2896 108                                                                            |
| Daman                                                                               | 105                                                                                 |
| Delhi                                                                               | 8255                                                                                |
| Diu                                                                                 | 393                                                                                 |
| Goa Gujarat                                                                         | 987 11247                                                                           |
| Haryana                                                                             | 6132                                                                                |

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| Himachal Pradesh   |   1688 |
|--------------------|--------|
| Jammu & Kashmir    |   2325 |
| Jharkhand          |   3375 |
| Karnataka          |  15501 |
| Kerala             |   8470 |
| Lakshdweep         |    349 |
| Madhya Pradesh     |  10054 |
| Maharashtra        |  21415 |
| Manipur            |    298 |
| Meghalaya          |    371 |
| Mizoram            |    147 |
| Nagaland           |    408 |
| Orissa             |   5614 |
| Pondicherry        |    795 |
| Punjab             |   7932 |
| Rajasthan          |   6997 |
| Sikkim             |    623 |
| Tamilnadu          |  19258 |
| Telangana          |   8261 |
| Tripura            |    433 |
| Uttar Pradesh      |  16469 |
| Uttarakhand        |   2438 |
| West Bengal        |  10588 |
| Total              | 193434 |

Source: RBI