Free AEPS Registration: Start Your Aadhaar Banking Business in 2025

In 2025, starting your own Aadhaar-enabled banking business has never been easier. With the growing demand for digital payments and rural banking services, the AEPS (Aadhaar Enabled Payment System) has become one of the most profitable and trusted business models in India. Through AEPS, retailers and entrepreneurs can offer essential banking services like cash withdrawal, balance inquiry, fund transfer, and mini statements all using a customer’s Aadhaar number and fingerprint.

You can get an AEPS (Aadhaar Enabled Payment System) ID for free through best providers like Aeps India by completing an online registration and KYC verification process. This involves filling out a form with your personal and bank details, submitting required documents like your PAN and Aadhaar card, and completing a biometric verification to confirm your identity. 

Starting your own AEPS business in 2025 has never been easier and with free AEPS registration from AEPS India, individuals, agents, and retailers can quickly become part of India’s digital banking revolution. By becoming an AEPS agent, you can offer essential financial services to your community and earn attractive commissions on every transaction.

AEPS India provides a secure, fast, and easy-to-integrate platform that helps entrepreneurs and shop owners start their Aadhaar banking business without heavy investment or technical knowledge. Whether you run a small store or a digital service center, AEPS India enables you to serve customers instantly and grow your income through Aadhaar-enabled financial services.

In this guide, you’ll learn everything about free AEPS registration, how to start your AEPS business, the benefits of joining AEPS India, and why it’s one of the best AEPS platforms in India for 2025.

What is Free AEPS Registration

Free registration for AEPS (Aadhaar Enabled Payment System) is available through Aeps India. To register, you must sign up with a Aeps India, complete an e-KYC with your Aadhaar and PAN cards, and have a compatible biometric device for transactions. The process typically involves filling out an online form, providing the required documents for identity verification, and then receiving your agent ID to start offering services like cash withdrawal and balance inquiries. 

AEPS Registration Work

AEPS registration work involves choosing a Aeps India, filling out an application, completing Know Your Customer (KYC) verification with documents like Aadhaar and PAN, and registering a biometric device. The process enables individuals to offer financial services like cash withdrawals and balance inquiries to customers via their Aadhaar number and biometric authentication. 

Registration process for agents

• Select a service provider: Choose a registered AEPS service provider or Aeps aggregator like Aeps india to work with.
• Complete the application: Fill out the online registration form with your personal and business details.
• Submit KYC documents: Provide necessary documents for verification, including your Aadhaar card, PAN card, and bank account details.
• Register hardware: Register your biometric device (like a fingerprint or iris scanner) with the AEPS provider like Aeps India.
• Get credentials: Once verification and device setup are complete, you will receive login credentials to start using the platform. 

How AEPS works for agents

• Authentication: Use your registered device to authenticate customers using their Aadhaar number and biometric data.
• Perform transactions: Once authenticated, you can provide services such as cash withdrawals, balance inquiries, fund transfers, and deposits.
• Earn commissions: You will earn a commission for every transaction you facilitate.
• Ensure security: It is crucial to follow security protocols, protect customer data, and provide printed receipts for every transaction.
• Follow compliance: Maintain accurate records and follow all guidelines and regulations for regular audits. 

AEPS Registration Facility Services

AEPS provides various banking services, including cash withdrawal, cash deposit, balance enquiry, and mini statements, which are accessed using an Aadhaar number and biometric authentication. Registration for agents is typically handled through Aeps India who require documents like a PAN and Aadhaar card, and agents must use a biometric device to operate the system. 

Services offered

• Cash Withdrawal: Withdraw cash from a linked bank account.
• Cash Deposit: Deposit cash into a linked bank account.
• Balance Enquiry: Check the real-time available balance in the bank account.
• Mini Statement: View recent transaction history.
• Fund Transfer: Transfer money from one Aadhaar-linked account to another.
• BHIM Aadhaar Pay: A specific type of payment transaction for merchants. 

Who Can Apply for Free AEPS Registration

Individuals, new entrepreneurs, and existing businesses can apply for Aadhaar Enabled Payment System registration to offer basic banking services like cash withdrawal and balance inquiries. Applicants need to be at least 18 years old and have a valid Aadhaar card, PAN card, bank account linked to their Aadhaar, and a mobile number. A biometric device, smartphone or computer, and reliable internet connection are also required to operate the system. 

Who can apply

• Individuals: Those who want to become banking agents and serve their local community.
• Existing Businesses: Retail shops and other established businesses that want to add AEPS services to their offerings.
• New Entrepreneurs: Individuals looking to start a new business as a local banking point. 

Requirements for registration

• Age: Must be at least 18 years old.
• Documents: Aadhaar card, PAN card, and a bank account linked to Aadhaar.
• Equipment:
  • Smartphone or computer
  • Biometric (fingerprint) scanner (RD Device)
  • Reliable internet connection
• Other: A mobile number and a valid bank account linked to Aadhaar. 

Documents Required for AEPS Registration

For AEPS registration, you primarily need an Aadhaar card, PAN card, and your bank account details (number and IFSC code). You will also need a recent passport-sized photograph, a working mobile number linked to your Aadhaar, a valid email address, and a biometric device (fingerprint scanner). 

Essential documents

• Aadhaar Card: Required for identity verification and biometric authentication. It must be linked to your mobile number and bank account.
• PAN Card: Necessary for identity and tax compliance verification.
• Bank Account Details: You’ll need your bank account number, name, and the correct IFSC code for settling transactions and commissions.
• Passport-Sized Photograph: A recent photo is used for identification purposes.
• Mobile Number: A functional mobile number, ideally linked to your Aadhaar, is mandatory for registration and communication.
• Email Address: A valid email address is needed for communication and updates. 

Other potential requirements

• Address Proof: Aeps India may require additional address proof like a Voter ID, Driving License, or utility bills.
• Cancelled Cheque: Some registration processes may ask for a cancelled cheque as proof of bank account details.
• Biometric Device: You’ll need a compatible fingerprint scanner (RD Device) to perform transactions.
• Business Proof (if applicable): If you are registering as a business, you may need documents like a shop and establishment license or GST registration. 

Benefits Free AEPS Registration

Free AEPS registration offers significant benefits for both customers and agents, including enhanced security through biometric authentication, easy access to essential banking services like cash withdrawal and balance inquiries from any bank account, and a way to promote financial inclusion for unbanked and underbanked populations. For agents, a key benefit is the potential to earn commissions on every transaction, which can boost their income and customer base. 

Benefits for customers

• Convenience: Perform banking transactions like cash withdrawal, deposit, and balance inquiries without needing a debit card or PIN, using only your Aadhaar number and biometrics.
• Security: Biometric authentication (fingerprint or iris scan) provides a high level of security, significantly reducing the risk of fraud.
• Accessibility: Access banking services easily in remote or rural areas, even if a traditional bank branch or ATM is not nearby.
• Financial Inclusion: Provides essential banking services to people who are otherwise excluded from the formal banking system.
• Interoperability: Access your bank account from any AEPS-enabled micro ATM, regardless of which bank it is from. 

Benefits for agents (retailers)

• Income Generation: Earn attractive commissions on each AEPS transaction performed.
• Customer Attraction: Attract more customers to your shop by offering a one-stop solution for essential banking services.
• Expanded Services: Provide a complete range of mini-banking services, including cash withdrawal, deposit, and balance inquiry.
• Low Investment: Requires only a smartphone or computer and a biometric device, making it a low-cost business opportunity.
• Instant Activation: Once registered, you can start providing services to your customers immediately after receiving your ID and password. 

Features of AEPS Portal

An AEPS (Aadhaar Enabled Payment System) portal features biometric authentication for secure transactions, cash withdrawals, deposits, balance inquiries, and mini statements. It enables interoperable transactions across different banks and allows for money transfer between Aadhaar-linked accounts. 

Core banking features

• Cash Withdrawal: Customers can withdraw cash from their bank accounts.
• Cash Deposit: Allows for the deposit of cash into a bank account.
• Balance Enquiry: Enables users to check their account balance.
• Mini Statement: Provides a summary of the last few transactions.
• Fund Transfer: Supports both intra-bank and inter-bank transfers, including Aadhaar-to-Aadhaar transfers. 

Security and authentication

• Biometric Authentication: Uses fingerprint or iris scans for secure, cardless, and PIN-less transactions.
• Dual Authentication: An additional layer of security for transactions.
• eKYC: Facilitates the electronic verification of identity.
• Best Finger Detection: Improves the accuracy of fingerprint scans.
• Aadhaar Seeding Status: Allows users to check the status of their Aadhaar-bank account linkage. 

Accessibility and interoperability

• MicroATM Access: Transactions can be performed at any AEPS-enabled micro-ATM, such as those at a local shop or banking correspondent.
• Bank Interoperability: A customer of one bank can transact using their Aadhaar at a micro-ATM enabled by another bank.
• Financial Inclusion: Provides crucial access to basic banking services for people in remote or underserved areas. 

Additional services

• BHIM Aadhaar Pay: A specific payment service within the AEPS ecosystem.
• Business Dashboards: Aeps Portals often include dashboards for agents to track performance and manage earnings.
• Wallet Management: Features for managing and recharging user wallets. 

Activate Free AEPS Registration Portal

To activate a free AEPS registration portal, you must first choose a Aeps India and register online by filling out the form with your details. You will then need to complete your e-KYC by submitting mandatory documents like your Aadhaar and PAN cards, register your biometric device, and complete any required verification steps, such as a video KYC. Once approved, your account will be activated, and you will receive login credentials to start offering services. 

1. Choose a provider and register 

• Select a Aeps India company that offers free AEPS registration and is authorized by the NPCI.
• Visit the Aeps India website or app and fill out the online agent registration form with your personal and business information. 

2. Complete the e-KYC process 

• Upload scanned copies of your Aadhaar Card and PAN Card for identity verification.
• Submit your bank account details and mobile number linked to your Aadhaar.
• Aeps India may require additional verification, such as a video KYC. 

3. Register your biometric device 

• Connect your biometric fingerprint scanner to your computer or smartphone.
• Register the device through the AEPS platform. You will need a UIDAI-certified device. 

4. Activate your account 

• Once your application is reviewed and approved, you will receive login credentials and your agent ID.
• You are now ready to log in and begin offering services like cash withdrawals, balance inquiries, and mini statements to your customers. 

Earning Opportunities in AEPS Registration

Earning opportunities with AEPS registration primarily come from commissions on processing customer banking transactions like cash withdrawals and balance inquiries. Agents earn money through a tiered commission structure, where higher-value transactions yield more income, sometimes reaching up to ₹13 per transaction for withdrawals of ₹3,000 and above. The system offers a low-investment way to earn a substantial income by providing financial services at the retail level. 

How you earn with AEPS

• Transaction-based commissions: You earn a fixed amount or a percentage for each transaction you process.
• Tiered commissions: The commission increases with the value of the transaction.
  • Low-value: Approximately ₹2 for transactions between ₹100–₹999.
  • Mid-range: Approximately ₹3 for transactions between ₹1000–₹1499.
  • Higher value: Approximately ₹4.5 for transactions between ₹1500–₹1999.
  • Large value: Approximately ₹5.5 for transactions between ₹2000–₹2499, with Aeps India offering up to ₹13 for transactions of ₹3,000 and above.
• Percentage-based commission: Aeps India may also offer a percentage, such as 1.25%, of the transaction value.
• Other services: You can also earn a commission on other services like balance inquiries and mini-statements, though typically at a lower rate. 

Why Start AEPS Business

Starting AEPS business is beneficial because it offers a low-investment, high-return model with attractive commission opportunities, increased customer foot traffic, and the opportunity to promote financial inclusion. It allows businesses to provide essential banking services like cash withdrawals and balance inquiries to customers in rural and semi-urban areas using their Aadhaar number and biometrics, making it a growing and popular service. 

Benefits for your business

• Increased income: Earn commissions on every transaction, creating a new revenue stream.
• Increased customer base: Attract new customers and increase foot traffic to your shop by offering valuable banking services.
• Low startup cost: The initial investment is minimal, requiring only a smartphone or computer and a biometric device.
• Expanded services: Enhance your existing business by adding essential banking facilities like cash withdrawal, balance inquiry, and fund transfers.
• Customer loyalty: Building trust by offering secure and convenient transactions can lead to greater customer loyalty and retention. 

Benefits for customers and the community

• Financial inclusion: Provide crucial banking access to individuals in remote areas who may not have easy access to traditional bank branches.
• Convenience: Offer a seamless and quick way for customers to perform banking transactions without needing debit cards or PINs.
• Security: The use of biometric authentication, such as fingerprint or iris scans, ensures transactions are secure.
• Government benefits: Facilitate the direct disbursement of government entitlements like social security pensions to beneficiaries. 

Choosing the Best AEPS Registration provider

Aeps India is the best AEPS registration provider, prioritize NPCI/RBI certification and robust security. Also, evaluate the Aeps India reliability through high transaction success rates and minimal downtime, and assess their customer support, user-friendly interface, and transparent commission structure. 

Key factors for selecting a provider

Regulatory Compliance and Security

• Verify the Aeps India is certified by the National Payments Corporation of India (NPCI) and compliant with Reserve Bank of India (RBI) guidelines.
• Ensure they use strong security measures like end-to-end encryption and two-factor authentication.

Reliability and Performance

• Look for a high transaction success rate (ideally 98%+).
• Check for minimal downtime and fast processing times.

User Experience

• The platform should have a user-friendly and intuitive interface for both you and your customers.
• Ensure it supports a wide network of banks.

Customer Support

• Look for reliable, responsive, and preferably 24/7 technical and customer support.

Cost and Commissions

• Compare commission structures and understand the complete cost, including any licensing fees, to ensure transparency.

Features and Integration

• Confirm the Aeps India offers essential AEPS services, such as cash withdrawal, deposit, and balance inquiry.
• Check if the Aeps platform integrate seamlessly with your existing systems, such as Point of Sale (POS) terminals.

Provider Reputation

• Aeps India reviews and testimonials to understand the experiences of other users. 

How to make your final decision

1. Define your needs: Determine what features are most important for your specific use case.
2. Shortlist providers: Based on online research, identify a few potential candidates.
3. Compare features: Create a simple spreadsheet to compare features, costs, and commissions side-by-side.
4. Request a demo: Use demos or trial periods to test the user interface, speed, and reliability firsthand.
5. Evaluate support: Contact their customer support with pre-sales questions to gauge responsiveness. 

Why Choose AEPS India for Free AEPS Registration

Choosing a Aeps India for free AEPS registration allows you to become an agent and offer basic banking services like cash withdrawal, balance inquiry, and fund transfers to your local community, especially in rural areas. Key benefits include earning commission on transactions, expanding your existing business, and promoting financial inclusion by making banking services more accessible and convenient through biometric authentication. 

Benefits for the agent

• Earn commissions: You can earn a commission on every transaction you facilitate, creating a new or supplementary income stream.
• Expand your business: Offering AEPS services can attract more customers to your shop, turning it into a mini-bank and expanding your business’s customer base.
• Community service: You can provide essential financial services to your community, particularly to those in remote areas with limited access to traditional bank branches.
• Easy and flexible: The process typically requires basic training and minimal investment, and you can operate with flexible work hours. 

Benefits for the customer

• Convenience: Customers can perform banking transactions at a local shop instead of traveling to a bank or ATM.
• Security: AEPS uses Aadhaar and biometric authentication (fingerprint), which is more secure than PINs or passwords for transactions.
• Accessibility: Anyone with an Aadhaar-linked bank account can use the service, making basic banking accessible to a wider population. 

Future Trends of AEPS Registration

The future trends for AEPS registration will be defined by stricter security regulations (effective January 2026), increased technological integration (AI, blockchain, advanced biometrics), and the development of multi-service mobile Aeps platform. The registration process itself is expected to become more streamlined through better eKYC procedures. 

Key Future Trends

• Enhanced Security & Regulatory Compliance: New Reserve Bank of India (RBI) guidelines, effective from January 1, 2026, mandate more rigorous Know Your Customer (KYC) processes and continuous, risk-based monitoring of AEPS operators by acquiring banks. This is in response to rising fraud concerns and aims to build greater trust in the system. Inactive operators (inactive for 3 months) will require fresh re-KYC before reactivation.

Advanced Technology Adoption:

• AI and Machine Learning (ML) will be integrated for real-time fraud detection and risk management, analyzing transaction patterns to identify suspicious activities.
• Blockchain Technology may be adopted to increase transparency and create tamper-proof transaction records.
• Improved Biometrics: Advancements in biometric authentication, potentially including contactless biometrics or voice recognition, will enhance security and speed, reducing failure rates.
• Mobile-First Platforms: There will be a greater emphasis on intuitive, user-friendly mobile applications and interfaces for both agents and customers, making services more accessible, especially in rural areas with high smartphone penetration.
• Expanded Service Offerings (Multi-service Hubs): AEPS platforms are evolving beyond basic banking services (cash withdrawal, balance inquiry) to integrate a wider range of services, such as bill payments (BBPS), mobile recharges, insurance payments, and micro-loans.
• Seamless Ecosystem Integration: Deeper integration with other digital payment systems like UPI and digital wallets will create a more connected and comprehensive financial ecosystem.
• Efficient Registration Processes: The agent onboarding process is expected to become more efficient through better eKYC and e-verification, with Aeps India offering same-day onboarding to facilitate business growth. 

Impact on Free Aeps Registration

While Aeps India currently offer free AEPS registration to attract agents, the future will likely see a trade-off:

• The actual registration with the Aeps India may remain free or low-cost, but agents will still need to invest in a UIDAI-certified biometric device (a hardware cost).
• The focus will be on the value of the platform, including comprehensive agent management tools, robust security features, and competitive commission structures, rather than just the initial sign-up cost.
• Increased regulatory compliance requirements may necessitate more thorough verification processes, which could slightly increase the time and checks involved, even if the monetary cost remains low. 

Overall, the future points to a more secure, integrated, and feature-rich AEPS ecosystem, driven by technology and regulation, while maintaining a strong focus on financial inclusion and user convenience. 

Conclusion

Starting your Aadhaar banking business through Free AEPS registration in 2025 is one of the smartest ways to step into India’s fast-growing digital finance sector. With AEPS, you can offer essential banking services like cash withdrawal, balance inquiry, and fund transfer all using just an Aadhaar number and fingerprint authentication.

Free AEPS Registration the process of registering to become an agent or service provider for the Aadhaar Enabled Payment System (AePS) is being offered without a registration fee. While the registration process may be free, an agent still needs to have a bank account linked to their Aadhaar and must acquire a compatible biometric device to perform transactions for customers. AEPS allows agents to facilitate basic banking services like cash withdrawals, deposits, and balance inquiries through a simple Aadhaar and biometric authentication process. 

Choosing a trusted provider like Aepsindia helps you begin your journey with zero setup cost, a secure API system, and smooth onboarding support. Whether you are a retailer, distributor, or new entrepreneur, AEPS empowers you to earn regular income while serving your local community with reliable banking services.

If you are ready to start your business in 2025, register for AEPS free with Aepsindia today and unlock your opportunity to become part of India’s digital financial revolution. Build your future with confidence, expand your network, and grow your income through Aadhaar-enabled payment solutions.

FAQ – Free AEPS Registration: Start Your Aadhaar Banking Business in 2025