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Financial Inclusion


In 2009, AISECT joined hands with State Bank of India (SBI) to provide banking services inthe under-banked and unbanked areas of Madhya Pradesh, Chhattisgarh, Punjab and other states.
The performance of AISECT in the field of Financial Inclusion was widely acknowledged and appreciated and AISECT soon became theNational Business Correspondent and Business Facilitator of State Bank of India inMadhya Pradesh and Chhattisgarh, in the year 2011.
Moving ahead, AISECT was appointed as the National Business Correspondent of Bank of India in 2012.
Subsequently, AISECT became Business Correspondent of Madhyanchal Gramin Bank for the state of Madhya Pradesh in 2014 & Punjab Gramin Bank for the state of Punjab.
In 2015, AISECT has been appointed National Business Correspondent for Bank of Barodaand has commenced its Financial Inclusion operations all over India.

State Bank of India (Madhya Pradesh and Chhattisgarh)
National Business Correspondent 2011

Bank of India

Madhyanchal Gramin Bank (Madhya Pradesh) National Business Correspondent 2014

Punjab Gramin Bank (Punjab) National Business Correspondent

Bank of Baroda National Business Correspondent 2015


3469 Kiosks operating in rural, semi urban and urban areas

90% Kiosks located in rural/semi urban areas

1000 bank branches linked to the Kiosks

88 lakh accounts opened having balance of Rs. 880 Crores

Rs. 996 average balance per account

8,000 crore worth transaction done

67.12 crore worthcommission earned by the Kiosks

Rs. 10,000 worthaverage commission earned by CSPs

Awards & Accolades


  • Customer Enrollmentfor collection of biometric and other details
  • Cards provided (Id Card, Debit Card, Credit Card and PIN) to customers
  • Transactions that enables depositing/ withdrawal money not exceeding Rs.10,000/- in each case
  • Outward Remittancesof small value not exceeding Rs. 10,000/- to same or any other bank
  • Balance Enquiry and issuing of Receipts/Statement of Accounts
  • Disbursal of credit facilities to borrowers involving small amounts
  • Collection and prima facie scrutiny of loan applications including verification of primary data
  • Facilitating the repayment of dues owed to the bank by its customers/guarantors

Services Offered in Kiosk Banking:

No Frills Savings Bank accounts to bring more and more people to banking fold

Opening of Recurring Deposit Accounts to motivate customers to save

Remittance facility (Cash & Transfer) to non-home branches and home branches of a Bank to assist the customers to remit funds to their needy relatives and friends

Fixed Deposit

Overdraft / Retail loans

Loans against TDR/NSC/KVP etc.

Pradhan Mantri Jan Dhan Yojana (PMJDY)

Atal Pension Yojana (APY)

Mudra Loan

Generating green PIN for RuPay ATM cards

Gold Loans

General purpose Credit Card (GCC)

Kisan Credit Card (KCC)

Opening of Savings Bank account with a minimum deposit of Rs.100/- to inculcate savings habit among the customers

Term Deposits

Using Aadhar as KYC to open Savings Bank accounts to ensure that the benefit of various government schemes are directly passed on to the customers

Deposit & Withdrawal limit increased from Rs.10,000/- to Rs.20,000/- per day/per account

Funds Transfer (cash & transfer) to other Banks under IMPS to assist the customers to remit funds to their relatives and friends and maintaining their accounts in other Banks

Arranging Aadhaar seeding in all existing accounts and putting valid contact numbers on record

The BC commission is generated as per CCPM report and consolidated eligible amount is first credited to the BC commission account by SBI simultaneously debiting our a/c to pass on direct credit to the accounts of CSPs by SBI under their centralized payment system.


I am Amit Chhatarji I have done the survey of the wards allotted to me by the Bank .After identifications of the family did not have any bank account ,I requested them to come to my center in this connection I have also organized camps and told to the people of the area that every family must have at least two accounts and one should be of a female member.

All the customers got the “RuPay Debit card” after opening of accounts. Nevertheless, in the absence of pins these cards are not activated. I with the consent of Branch Manger decided Tuesday would be the convenient day for distribution of the pins. Accordingly, I have displayed this notice at my center and made the groups of the customers according to ward and take them to branch and as many as 8463 customers were distributed pin mailers. I also said all my customers to use the Rupay card for transactions within 45 days otherwise this card would be freeze. Further, they will also not get the benefits of insurance covers attached to this card.

In addition to this I have also organized the camps for Pradhan MantriJeevanJoytiBimaYojana and Pradhan MantriSurakshaBimaYojana and got over whelming response . I canvassed and collected applications of customers for PMJJY 3216 and 6221-application for PMSBY.

My efforts are continued to convince the people to opt Atal Pension Yojna for their safe and secured old age. However till date I was able to source 05 persons.

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