• Cash Withdrawal
• Balance Enquiry
• Mini Statement
• Aadhaar to Aadhaar Fund Transfer

• Have a Bank Account with a Bank participating in AEPS
• His / Her Aadhaar should be linked to his/her Bank account with other Bank.
• Transaction is completed using his/her biometric authentication only.

Transactions done by IPPB customer on others bank’s AEPS terminal.

Transactions done by IPPB customer on IPPB’s own AEPS terminal.

Transactions done by customers of other banks on IPPB’s terminal such transactions are called inter-bank transactions.

The Bank who has deployed the AEPS terminal on which the transaction is done for Cash Withdrawal, Fund Transfer or non-financial transactions such as Balance Enquiry and Mini Statement.

Issuing Bank in AEPS parlance means the Bank with which the customer’s Aadhaar seeded account is held. The Issuing bank should be a member or submember of the NFS network and enabled on AEPS offered by NPCI.

RRN number is a 12-digit number generated to record the transaction and to identify a transaction uniquely.

If the customer enters incorrect Aadhaar number/ selects an incorrect bank where he/ she does not have an Aadhaar linked bank account, the transaction will decline with an appropriate response message. Further, as a customer may link his/ her Aadhaar with multiple banks, customer should select the correct bank, from where he wishes to perform transaction. In case, customer has more than one account with the selected bank then only the primary account will be debited and customer cannot make a selection of bank account at the time of transaction.

Ideally No, but linking Aadhaar Number with Bank account is a pre-requisite. However, registration process shall be as per the procedures laid down by the Issuer bank providing the service. Please check from the bank where you hold the Aadhaar linked bank account.

. If customer has multiple account within the same Bank linked to Aadhaar, AEPS services will work with only the primary account associated with the Aadhaar. Customer need to get in touch with his/her bank to specify/change the primary account linking.

Since the accounts are held with different (multiple) Banks, Customer will have a choice to select the Bank name in the AEPS app from where the transaction need to be done.

Yes, IPPB has activated the services. Moreover, IPPB has its own our vast network of access points, customers can use normal cash withdrawal services at IPPB access points.

Carrying Aadhaar card is not mandatory but linkage of Aadhaar Number with Bank account is a prerequisite for transaction to be processed successfully.

The status of the transaction will be available on the m-ATM primarily. The customer will also receive an SMS from IPPB as well as his/her Bank if registered for mobile alerts.

No transactional charges will be levied on the customer if he / she avails the services at any access points / doorstep. However, Doorstep service charge will be applicable to the customer as per prevailing fees.

IPPB as an acquirer bank does not put any limit on any AEPS transactions for other bank customer. However, the Issuing Bank maintains these limits based on customer profile and risk management practices. NPCI has set a maximum transaction amount of Rs. 10,000 on a single AEPS financial transaction.

In case Aadhaar is linked to the joint account and where the operation condition is either or survivor, then services can be availed using any of the Aadhaar details.

Allowed for minors, but it depends on the issuer bank.

It is likely that transaction has failed. The refund will go back to the customer A/C but it might take 5 days. If the amount is not credited back within 5 days, same can be raised with bank they hold the account.

The customer can raise a dispute/compliant through call centre @155299, alternatively can choose any assisted / self-service IPPB channels for the same.

The customer can raise a dispute/compliant with the bank they hold the account. Bank will further raise it with the concerned bank via NPCI’s Dispute Management System.