Cash will be withdrawn from Aadhaar even without debit card! Check balance at home with this special AEPS service of NPCI, know the easy way

By Samira Vishwas On Jul 11, 2026

Aadhaar Enabled Payment System: In today’s digital era, most people are using online and UPI payments. Despite this, we still need cash for many small daily tasks or in emergency situations. At such a time, if you have forgotten your ATM or debit card at home or do not have the card, then withdrawing money from the bank becomes a big headache.

But now you don’t need to worry at all. With the help of a special technology from National Payments Corporation of India (NPCI), you can now just Aadhaar Card Through this you can safely withdraw cash from your bank account. Let us know how this entire system works and how you can take advantage of it.

What is AEPS facility and how does it work?

NPCI to make banking accessible to rural and remote areas Aadhar Enabled Payment System (AEPS) Has started. This is such a secure financial system, under which you do not require any signature, debit card or PIN to withdraw money.

Biometric Security: In this system, only your Aadhaar number and your fingerprint (thumb or finger impression) are used to transact money.
These 4 main facilities are available: Through AEPS, you can not only withdraw cash, but also do important tasks like depositing money in your bank account, checking account balance and taking out mini statement in a jiffy.

Most important condition: You can avail this banking facility only when your Aadhar card is completely linked and active with your respective bank account.

Step-by-step process to withdraw cash from Aadhaar card

If you want to withdraw cash without ATM card, follow the easy steps given below:

Meet a Business Correspondent (BC) Agent: First of all, go to the authorized banking representative i.e. BC Agent of any bank nearest to you. These agents are usually found in small kirana shops, customer service centers (CSP) or mini branches of banks with micro-ATM machines near you.
Enter Aadhar Number: Tell the agent your 12-digit Aadhaar number, which he will feed into his swipe or micro-ATM machine.
Biometric Verification: Place your thumb or finger on the fingerprint scanner attached to the machine to securely verify your identity.
Select Service: Select ‘Cash Withdrawal’ from the options given on the screen of the machine.
Enter amount: Enter the amount of cash you want to withdraw from your account there.
Get Cash: As soon as your fingerprint is verified with the bank’s server, the transaction will be successful and the agent will hand over your cash to you. Immediately after this, a confirmation SMS of money being deducted from your bank account will also be sent to the registered mobile number.