Aadhaar Enabled Payment System (AEPS)
The Aadhaar Enabled Payment System (AEPS) is a revolutionary banking service introduced by the National Payments Corporation of India (NPCI) to make financial transactions simple, secure, and accessible to every Indian citizen. Using just an Aadhaar number and biometric authentication, customers can perform essential banking activities such as cash withdrawal, balance enquiry, fund transfer, and mini statement — without the need for a debit card, ATM, or smartphone.
AEPS is designed to promote financial inclusion, especially in rural and semi-urban areas where traditional banking facilities are limited. By linking Aadhaar to a bank account, users can access their funds and conduct transactions through nearby AEPS-enabled agents or micro-ATMs. Every transaction is authenticated through secure biometric verification, ensuring complete safety and preventing fraud.
Key Features of AEPS
AEPS offers a range of digital banking services such as cash withdrawal, balance enquiry, mini statement, fund transfer, and cash deposit. All transactions are authenticated using Aadhaar biometrics, ensuring 100% security and transparency.
The Aadhaar Enabled Payment System (AEPS) allows users to perform basic banking transactions using only their Aadhaar number and biometric authentication. It’s a secure, real-time payment system developed by NPCI that makes financial services accessible even in the remotest areas of India.
AEPS allows customers to access banking services such as withdrawal, deposit, and balance enquiry using Aadhaar authentication.
No, only an Aadhaar-linked bank account and biometric authentication are needed.
Yes, AEPS is interoperable — you can use it at any AEPS-enabled agent, regardless of your bank.
All transactions are verified via Aadhaar biometrics and processed through NPCI’s secure network.