• Account Opening
• RD & FD
• Deposit & Withdrawal
• AePS
• Micro ATM Device
• DMT

A bank is a Financial inclusion promotes thrift and develops culture of saving and also enables efficient payment mechanism strengthening the resource base of the financial institution which benefits the economy as resources become available for efficient payment mechanism and allocation. The access to financial services by poor would lead to their consumption smoothing and investments in health, education and income generating activities, thus expanding growth opportunities for them.

To be relevant to the rural customer AHRDNL is providing services and products that are tailored to the requirement of the particular genre of customer base at the bottom of the pyramid. That too, at an affordable cost, and in a simple and easy to use format. Apart from providing very basic savings products, AHRDNL is expected to proactively reach out and touch the unbanked. AHRDNL is trying to bring game changing business model, which can ‘sachetise’ financial services, package them and deliver them at a price that is affordable to the consumer and profitable for the producer.

AHRDNL, enabling economic independence and supporting improved economic well-being to the rural populace, so customized bank accounts are opened. AHRDNL solved the problem of sending the money periodically to native place. Migrants sitting in urban centres would be able to send money effortlessly and without paying commission to the intermediaries.

AHRDNL is keenly observing the performance of the pastoral populace to protect them; to see the activities in broader perspective and give purposeful direction to achieve larger societal goals. An avenue for bringing the additional savings into the formal financial channel boosting the collective economic resources.

AePS (Aadhaar Enabled Payment System)

The AHRDNL AePS service enables the customer to use their Aadhaar card to access their Aadhaar-linked bank account and carry out basic banking transactions like withdrawals, deposits, balance enquiry, and bank transfers. These transactions can be easily done using a secure Biometric Scanner which is available with all Adhikaris at AHRDNL with AHRDNL Center.<.p>

Money Transfer (DMT)

AHRDNL customers can transfer money between different banks spread across a wide network. With the help of Adhikaris, they can remit funds across all major nationalized and private banks that operate in India. This is a secure money transfer process with multiple authentication levels to ensure optimum safety. AHRDNL Wallet is an RBI approved semi-closed PPI wallet linked to the sender’s mobile number which makes it very secure.

Cash withdrawal through mini ATM

With the help of the AHRDNL MiniATM, Adhikaris can now withdraw cash for their customers with Debit & Credit cards. You can withdraw cash with all major cards like RuPay, Master, Visa, and Maestro.