In today’s world, banking has become much easier than before. You don’t always need to carry an ATM card, passbook, or even visit the bank branch for small transactions. Thanks to the Aadhaar Enabled Payment System (AePS), now you can withdraw money directly from your bank account using just your Aadhaar card and fingerprint.
Many people in villages, towns, and even cities use this service because it is simple, fast, and does not need internet banking or ATM cards. If you are wondering how to withdraw money with an Aadhaar card, here is a step-by-step guide in simple words.
What is Aadhaar Enabled Payment System (AePS)?
AePS is a banking service launched by the Government of India and the National Payments Corporation of India (NPCI). It allows people to do basic banking transactions such as:
- Cash withdrawal
- Balance inquiry
- Mini statement
- Fund transfer
All you need is:
- Your Aadhaar number
- A bank account linked with Aadhaar
- Biometric verification (fingerprint)
This service works through micro ATMs or devices available with bank correspondents, Common Service Centers (CSCs), or business correspondents in villages.
Benefits of Aadhaar-Based Withdrawal
- No need for ATM card or PIN – only Aadhaar and fingerprint required.
- Safe and secure – uses biometric verification.
- Accessible in rural areas – available through CSCs and small shops working as bank correspondents.
- Fast and simple – transaction completes within minutes.
- Useful for senior citizens – they don’t have to remember PINs or use smartphones.
Steps to Withdraw Money with Aadhaar Card
Follow these simple steps to withdraw cash using your Aadhaar card:
Step 1: Visit a Nearby AePS Center
Go to a bank correspondent (BC), Common Service Center (CSC), or any shop/agent that provides AePS service. Most villages and towns have such centers.
Step 2: Provide Your Aadhaar Number
Tell the agent you want to withdraw money. Share your Aadhaar number linked with your bank account.
Step 3: Select Bank Name
You need to mention the name of the bank where you hold your account.
Step 4: Enter Amount
Tell the amount of money you want to withdraw from your account.
Step 5: Biometric Authentication
Place your finger on the fingerprint scanner for verification. Your Aadhaar details will be checked with the UIDAI database.
Step 6: Transaction Approved
Once your fingerprint is matched, the system will approve the withdrawal request.
Step 7: Collect Cash and Receipt
The agent will give you cash, and you will also receive a transaction receipt as proof. In some cases, you may also get an SMS from your bank.
That’s it! The whole process takes only a few minutes.
Things to Keep in Mind
- Aadhaar must be linked with your bank account. Without linking, you cannot use AePS.
- Carry your Aadhaar card physically. Some centers may ask for a copy.
- Biometric should match. If your fingerprints are unclear (common in elderly people), try using another finger.
- Daily transaction limits. Most banks allow cash withdrawal up to ₹10,000 per day using AePS.
- Charges. Many AePS withdrawals are free, but some agents may take a small service fee. Always ask before withdrawing.
Example of Using AePS
Let’s say Mr. Ramesh lives in a village and does not have an ATM nearby. He needs ₹2000 in cash. Instead of traveling to the town, he goes to a small shop that provides AePS service.
- He gives his Aadhaar number and selects his bank name.
- He tells the agent that he wants to withdraw ₹2000.
- He places his finger on the scanner.
- Within seconds, the transaction is approved, and the shopkeeper gives him ₹2000 cash.
- Ramesh also gets a receipt and SMS confirmation.
This shows how easy and helpful Aadhaar-based withdrawal is for everyone.
Advantages of Aadhaar Cash Withdrawal
- Works without ATM or debit card.
- Saves time and travel cost.
- Easy for people in rural areas.
- Secure because it uses fingerprints.
- Can be used for balance checks too.
Conclusion
Withdrawing money using your Aadhaar card is one of the simplest banking services available in India. The Aadhaar Enabled Payment System (AePS) has made banking possible even in remote villages where ATMs and branches are not available By just visiting a CSC, bank correspondent, or nearby AePS center, you can withdraw money in a few steps – Aadhaar number, bank name, amount, and fingerprint verification.
So, next time you need cash and don’t have your ATM card, remember that your Aadhaar card and fingerprint are enough to get money instantly.
