Till now we have told you about many types of business related to customer service center, such as how to become a bank friend or how to get a franchise of a post office. Today we are going to tell you about another such business, which you can open and provide service in your village or city.
What is Kiosk Banking
The kiosk are a small internet enabled booth through which customers can perform various tasks related to the bank. Kiosks are being opened by banks of our country in many areas. So that people can easily do their bank work through them without going to a bank branch.
A kiosk machine is like an ATM machine, but where only the money can be withdrawn from the ATM machine, in addition to withdrawing money from the kiosk machine, money can be deposited through it and money can also be sent to any other account
How to work through kiosk banking
Those who will be opening kiosks also have to open No Frills Savings Bank accounts (without depositing any money) from the people. To do this, they will have to take people’s photos and their finger prints and send all these information to the concerned bank. At the same time, when this account will be opened by the bank, the person opening the account will be able to deposit their money through the kiosk branch, get it out and do other types of work related to the bank.
Under kiosk banking, a maximum of Rs 50,000 can be deposited in an account and daily transactions up to Rs 10,000 can be done. Therefore, if a customer has to deposit more than Rs 50,000, then he has to go to the bank branch and similarly if he has to withdraw more than 10 thousand money, then he will have to go to the bank branch.
Who can open Kiosk Banking (Eligibility Criteria for Kiosk Banking Business) –
People who have opened customer service centers can easily start kiosk banking service from their center. In fact, many banks have been associated with the customer service center scheme launched by the Government of India and are offering services of kiosks in these centers. On the other hand, people who are not bank friends need not be disappointed because any person can apply to get kiosk banking.
However, only those people who are at least 18 years of age and who have studied up to the minimum 12th standard can apply to open kiosk banking. Apart from this, that person should also have 100 to 200 square feet of space and should also have computer, printer and net facilities.
Kiosk Banking (Location required)
The purpose of starting this type of banking is to extend the convenience of banks to those places where the branches of banks cannot be opened and the places where banks have very few branches. So if there is no bank facility in your city, village or district, then you can apply to open kiosk banking and earn money by opening it in your area.
Benefits of Kiosk Banking –
People will be able to get the facility of the bank- There are many villages and areas in our country where there are no banks and the people there are deprived of the facility of the bank. Kiosk banking has been started to connect these people to the bank.
Get rid of long lines – In areas where there is only one bank branch, branches are often very crowded, due to which people have to stand in lines for many hours. At the same time, by opening kiosks like ATMs at the place, long lines in the bank will be avoided.
Earn more money- People who have a shop and want to increase their income further, they can earn money by joining kiosk banking, opening people’s accounts.
The number of customers will increase – By extending this facility to every corner of the country, more and more people will be able to connect with banks and in this way the number of customers of banks will increase and banks will also be able to earn profits.
Target Audience –
The purpose of introducing kiosk banking is to connect the people living in the village with banking, so that these people can take advantage of many types of banking services and can easily do many things related to the bank through them.
Services Provided at Kiosk Center under Kiosk Banking
By opening the center of kiosk banking, many types of banking services are provided to the people and at present, the convenience of kiosk banking is being provided to its customers by most banks of our country and these facilities are as follows
Through the kiosk, any person can deposit money in his account, but here the customer can only deposit up to fifty thousand rupees.
Just as the money can be deposited with the help of kiosk banking, in the same way money can be withdrawn from your account through it. But its limit is only ten thousand rupees.
If you have to transfer money to another account holder, you can do that through them.
The facility of updating your passbook is also available under kiosk banking and anyone can open an account in the bank through it.
Machine will be provided by the bank
You will also be given a machine by the bank whose kiosk you will start, and through this machine you will have to take print of people’s fingers and take photographs of them while opening the account. Apart from this, web software will also be given by the bank to operate various software.
How to earn (Earning or commission) –
The person who starts banking will earn through commission and different commission will be given by each bank. For example, if you open a kiosk of SBI Bank, then this bank will give you a commission of 10 rupees for opening each savings account. Similarly, a commission will be given at the rate of 0.5% per transaction amount. Before opening a kiosk of any bank, you must see that how much commission is paid by that bank.
Important Documents
While applying for this banking, you will be asked many types of documents, so keep the documents mentioned below ready.
Number Document Name
1 two passport size photos
It is mandatory to have 2 PAN cards
3 ID proofs like voter ID, driving license, passport and etc.
4 Proof of shop address where you want to open kiosk banking
5 Resident address proof such as electricity bill, ration card and etc.
How to open Kiosk Banking
You can apply for taking this banking by going to the branch of the bank which provides this facility, taking the form from there and filling it there, or you can from many such websites that provide this banking You can get it by contacting. However, beware of fake websites and only associate with the right website. At the same time, the links of those websites which provide such banking are as follows –
Summer Info Tech – Kiosk banking of Bank of Baroda, Bank of India and State Bank of India is provided by a website called Summer Info Tech. You can apply to open these bank kiosks by visiting Summer Info Tech’s website http://www.samarinfotech.com.
Pay Point India – A website called Pay Point India also serves to provide kiosk banking. By going to this http://paypointindia.com/Banking.aspx link, you can apply for Kiosk Banking of State Bank of India.
My Oxygen – My Oxygen Company is a very well known company and the company also provides kiosk banking of State Bank of India. To take this banking under this company, you have to go to this link http://www.myoxigen.com/financial-services/sbi-kiosk.php and apply.
The conclusion
Due to the convenience of kiosk banking, many people will be able to take advantage of the services of the bank and at the same time people who are looking for employment will be able to earn a lot by opening them.