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How does an ATM in Kerala come home after wearing a uniform? Scheme hit in lockdown


This year, Kerala managed to overcome the first pandemic after the country’s first case of Corona Virus came out, but for the past few weeks, there has been an atmosphere of concern due to the increasing cases here (Corona Cases in Kerala). Is made up In these circumstances, there are situations like lockdown in some areas, then most people are avoiding getting out of the house. In such a situation, one year old service in remote areas of Kerala is proving very helpful. In areas where there is no access to banking services or it is very difficult, people are taking advantage of the ATM service coming on the doorstep of the Postal Department.

In fact, in September last year, the Department of Posts in Kerala started this service so that the service of economic support could reach remote rural areas. This is a payment service linked to Aadhaar card, in which account holders of many banks can pass money from their savings account sitting at their home. The postman pays till the house and that too absolutely free. There is something very interesting in this payment system.

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What is this system and how does it work?In this payment service, any person can withdraw at least 100 and maximum Rs 10,000 from his account. This system is such that if you want to withdraw money from your account, you can apply to the nearest post office. The postman will come to your house and will have a special type of device. When the postman will fill the information like your mentioned bank account number, name and mobile number in this device, then an OTP will come on your mobile number.

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When you tell this post number OTP to the postman, it is the turn of information related to the Aadhaar number. You can also choose to have the Aadhaar card scanned instead of stating the Aadhaar number, which is possible through a QR code. After feeding this information, you have to give your fingerprint on the postman’s biometric device, which verifies your identity with your Aadhaar number.

In this whole process, your phone number is not necessary to be linked to the bank account, but at the time of the postman, you should have that number at the time of the process. Secondly, there is no paper receipt etc. in this process, but through SMS on mobile phone, you get information about how much money was transacted from your bank account. In this SMS, you also get the ID number of the postal agent who completed the transaction process.

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However, as soon as the fingerprint is verified on the biometric device, the postman delivers the cash to you. This whole service means that the ATM comes to your home and you can withdraw money from your account. Now the question is, do you have to go to the post office to get this service? No, for this, the postal department has issued helpline numbers, on which you can book for your payment through phone. Also, you can call this at your local post office and demand this service.

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Under this system, some other banks including State Bank of India have also fixed the maximum payment limit in a day at Rs 10,000. That is, these banks can decide how much they will pay a person from this service in 24 hours. During the Kovid-19 era when the countrywide lockdown came, the scheme proved to be no less than a lifeline for the villagers of Kerala. According to the report of the New Indian Express, payment of up to Rs 380 crore has been made to the people through this system within the last one and a quarter year.

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