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DCB Bank starts India’s first Aadhaar-based ATM

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Maharashtra based Small-sized lender DCB Bank has started an Aadhaar-based ATM usage facility in which a customer can transact using his biometric details instead of the PIN. This is the first of its kind.


  • The system is a comparatively inexpensive solution and the bank, which currently has 400 ATMs, is targeting to cover its entire network under the system within a year.
  • This is the first ATM in the country which operates using the Aadhaar data. One can do a transaction without the card as well.

How it Works:

  • ATM card holders can key-in the 12-digit Aadhaar number or swipe the card at an automated teller machine (ATM) to start a transaction, but at the stage of confirming the identity, it requires biometric details rather than the PIN.
  • All you have to do to authenticate is put your finger on the scanner. Aadhaar number will be essential before a customer can use the facility, only DCB Bank customers will be able to make use of the service.
  • The solution has been developed in-house and involves connecting up with the Aadhaar server to authenticate the identity of the customer every time a transaction is initiated.

Aadhar Card Holders in India:

  • As of March 2016, 9crore Aadhaar numbers have been issued in the project which is about 82 % of the population.