--- type: "landing-page" title: "Eko Kiosk — Financial Infrastructure for Bharat | CSP Network" description: "Eko Kiosk is India's agnostic Business Correspondent network. Serving banks, women kiosk operators, NGOs and donors since 2009. AePS, IMPS, NEFT, PMJDY. RBI compliant." category: "financial-inclusion" canonical: "https://eko-kiosk-website.vercel.app/" --- > **Canonical URL:** https://eko-kiosk-website.vercel.app/ > This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above. # Banking that reaches every last mile Eko Kiosk is India's agnostic Business Correspondent (BC) network, run by Eko Bharat Ventures Private Limited, enabling financial inclusion since 2009. Participate in Bharat's biggest financial inclusion program — in partnership with State Bank of India (SBI) — offering 40+ banking products and services through a network of Kiosk Operators. **Key stats:** 17+ years of trust · 1,100+ CSPs across 160+ districts · Kiosk Operators earn ₹25K and above · Top-ranked Business Correspondent. Partnered with: **State Bank of India**. To apply: [Partner with Us](https://eko-kiosk-website.vercel.app/signup) or call +91 7291988625. ## Who We Serve Eko Kiosk is a single platform serving four ecosystems: 1. **Kiosk Operators** — Become the financial pillar of your community. Eko equips, trains, certifies and supports each operator. 2. **NGO & CSO Partners** — Source, train and deploy entrepreneurs from SHG (Self-Help Group) networks using Eko's infrastructure. 3. **Philanthropic Donors** — Catalytic capital, verifiable impact. SDG-aligned, FCRA compliant, fully transparent. 4. **Compliance & Audit stakeholders** — Branch-level regulatory rigor at kiosk scale, RBI 2024/25 aligned, best-in-class among SBI's Business Correspondents. ## For Kiosk Operators — Your community's mini bank branch Function as an authorized Customer Service Point (CSP). Eko provides equipment, training, certification and ongoing support; the operator provides their community with essential banking. - **Equipment & Training** — Micro-ATM, biometric scanner, branded kiosk, plus bilingual training modules from day one. - **Earn ₹15K–₹1L+/month** — Through Social Security & Govt Schemes (PMSBY accident cover ₹20/yr, PMJJBY life cover ₹436/yr, APY pension scheme) plus banking commissions. - **IIBF Certification** — A professional credential pathway, not just a transaction device. - **Community Pillar** — Become the recognised financial counsellor and most trusted person in your village. ### Women-First Recruitment Rural women make the most trusted, highest-performing kiosk operators in India. - **40.8%** higher customer engagement vs. male-operated kiosks. - **64.1%** greater economic value — more savings, insurance & credit activated. **Old Agent vs. Eko Branch Manager model:** | Dimension | Old: Agent | Eko: Branch Manager | |---|---|---| | Customer Interaction | Passive — execute requested withdrawals | Proactive — assess financial health, initiate advisory | | Product Knowledge | Cash-in / cash-out basics only | Insurance, RD, credit linkages, govt schemes | | Community Role | Shop offering ancillary service | Recognised financial counsellor & community pillar | | Problem Solving | Point to toll-free number | Own the grievance; liaise with base branch | ### Your Journey with Eko 1. **Docs Submission** — See Eligibility section for required documents. 2. **Approval by SBI** — Application reviewed and approved by State Bank of India. 3. **Devices & Setup** — Micro-ATM, biometric scanner + kiosk branding delivered and set up. 4. **Training** — Digital learning: financial literacy, CRM, compliance — in Hindi. 5. **IIBF & DRA Certification** — Professional credential as a qualified Branch Manager. 6. **Start Earning** — Begin serving your community and earning commissions from day one. ### Voices from the Field - "As a woman CSP, I've served over 10,000 customers and helped 200+ women in my village open savings accounts." — Sunita Devi, Rajasthan - "People visit my CSP for everyday banking — depositing and withdrawing cash, checking balances, printing passbooks." — Sanjeev Kumar, Chandauli, Bihar - "My CSP works like a small branch where villagers come for daily banking needs. Running this CSP has made me financially independent." — Alamgeer Ansari, Kokilpatti ## All 44 Services Offered at an Eko Kiosk **Core Banking & Transactions:** Cash Deposit (Own Bank), Cash Withdrawal (On Us / Off Us), Fund Transfer (Own Bank / Other Bank AePS), Balance Enquiry (AePS / RuPay Card), Mini Statement, Passbook Update. **Money Transfer:** IMPS (Instant Transfer), NEFT (National Transfer). **Account & KYC Services:** Account Opening (PMJDY & Savings), Aadhaar Seeding, Re-KYC at CSP Outlet, Activation of In-operative Accounts, Nomination Facility, AePS Registration / De-Registration. **Card & Cheque Services:** Apply for RuPay Debit Cards, Green Pin Generation, Block Debit Card, Request New Cheque Book, Stop Payment of Cheque. **Deposits & Savings:** TDR / RD Opening, Renew TD / RD, PPF / SSA Account Deposit. **Social Security & Govt Schemes:** PMSBY enrolment (Accident Cover ₹20/yr), PMJJBY enrolment (Life Cover ₹436/yr), APY enrolment (Pension Scheme). **Loan Lead Generation:** Personal Loan, Home Loan, Vehicle Loan, P-Gold Loan, Agri Gold Loan, Mudra Loan. **Insurance & Investment Leads:** Health Insurance, Life Insurance, Motor Insurance, Mutual Fund, Demat & Trading Account. **Bill Payment & Recharge:** Bill Payment (BBPS), Mobile & DTH Recharge, FASTag Recharge. **Support & Other Services:** Lodge/Track Complaints, SMS Alert / Email Statement, Recovery / Collection, SHG Dual Authentication Transaction, m-ATM Service. ## Coverage Join 1,100+ CSPs serving communities in 150+ districts across Uttar Pradesh, Bihar, Rajasthan, Maharashtra, Madhya Pradesh, Jharkhand, West Bengal, and 150+ more districts. ## Eligibility — Who Can Become a Kiosk Operator **Basic Requirements:** - Graduate pass (minimum educational qualification) - CIBIL score: must be 0 (no credit history) or 700+ - Basic computer knowledge - A smartphone / tablet / laptop - Own or have access to a shop/space in a market or residential locality - Must not be employed with any bank or financial institution - Preferably from rural or semi-urban areas **Documents Needed:** PAN Card, Aadhaar Card, Police Verification Certificate (PVR), SBI Savings Account details (for commission settlement), Address Proof (electricity bill / registry papers), CIBIL Report, Passport-size photograph. ## For NGO & CSO Partners Eko provides the platform, banking relationships and regulatory umbrella; NGOs bring human capital and community trust from their SHG networks. - **Nominate Candidates** — Submit SHG member nominations through Eko's B2B portal; track onboarding, training and activation in real time. - **Co-deliver Training** — Run financial literacy camps using Eko's vernacular modules. - **Amplify Impact** — Each Kiosk Operator recruited gives their village access to welfare, agricultural subsidies and educational grants. Eko provides: technology platform & API, bank relationships & regulatory umbrella, device kit & kiosk branding, vernacular training content, compliance & audit framework. NGOs provide: human capital from SHG networks, community trust & local-language navigation, social support for new operators, grassroots mobilisation, ongoing peer accountability. ## For Philanthropic Donors Catalytic capital, verifiable impact — every contribution activates a kiosk, empowers a woman, and connects a village to the formal economy. - **Equipment Grants** — Hardware funding (micro-ATM, biometric scanner, kiosk branding, connectivity setup) for a new CSP in an unbanked PIN code. - **Working Capital Fund** — Revolving, interest-free capital bridging the launch period for new female operators; repaid as the kiosk becomes profitable and recycled to the next operator. - **Capacity Building** — Sponsors financial literacy modules, CRM & compliance training, and the IIBF certification pathway for a rural woman to become a qualified Branch Manager. SDG-aligned: SDG 1 (No Poverty), SDG 5 (Gender Equality), SDG 8 (Decent Work), SDG 10 (Reduced Inequalities). International contributions accepted under FCRA, with quarterly SDG-aligned impact reports and real-time aggregated, anonymised impact dashboards. ## Compliance & Audit Every Eko CSP operates under the same compliance, KYC/AML and consumer-protection standards RBI mandates for physical bank branches. | Benchmark | Branch-Level | Eko Kiosk | |---|---|---| | Customer Due Diligence | Live biometric + document verification | E-KYC with real-time UIDAI biometric tokenisation | | Transaction Integrity | Dual-control registers | GPS-tagged AePS logs per NPCI mandate | | Operational Risk | Secure cash vaults + insurance | Algorithmic cash caps + fidelity insurance | | Consumer Protection | Ombudsman access | Digital complaint lodge + zero overcharging policy | | Cyber Resilience | Bank IT security policy | RBI 2024/25 Master Directions on Cyber Resilience | Certifications/frameworks: RBI Regulated, AePS, KYC/AML, UIDAI, NPCI, IIBF, FCRA. - End-to-end encryption aligned with RBI's 2024–25 Master Directions on Cyber Resilience and Digital Payment Security Controls. - GPS-verified, NPCI-mandated transaction logs with automated anomaly flagging. - LFAR (Long Form Audit Report) + concurrent + surprise physical-verification audits. - Real-time compliance dashboard for overseeing branch managers (biometric auth logs, transaction velocities, risk alerts). ## Founder's Message > "We started Eko with a simple belief — that technology can empower the local entrepreneur to become the banker, the service provider, and the trusted advisor for their community. Today, with SBI's trust and our technology, we are making financial inclusion a reality for millions." > — Abhishek Sinha, Co-founder & CEO, Eko ## Get Started Whether you're a bank, an entrepreneur, an NGO or a donor — there is a place for you in the Eko Kiosk ecosystem. - [Become a Kiosk Operator](https://eko-kiosk-website.vercel.app/signup) - NGO Partnership — contact via the site's apply form - Donor Partnership — contact via the site's apply form ## Contact - **Company:** Eko Bharat Ventures Private Limited ([eko.in](https://eko.in)) - **Email:** kiosk@eko.co.in - **Phone:** +91 7291988625 - **Address:** 68, Phase IV, Udyog Vihar, Sector 18, Gurugram, Haryana 122015 - **Social:** [LinkedIn](https://www.linkedin.com/company/eko-bharat-ventures/) · [Instagram](https://www.instagram.com/eko__India) · [Facebook](https://www.facebook.com/ekoindia) · [YouTube](https://www.youtube.com/@eko_india) · [X](https://x.com/ekospeaks) Mission: "Grow every entrepreneur daily."