Launch Your Own Aadhaar Banking Network
Start a white-label AePS business and enable Aadhaar-based banking services across your distributor and retailer network. Turn local retail shops into Aadhaar ATMs.
The AePS Business Opportunity
Aadhaar Enabled Payment System (AePS) allows banking transactions using just an Aadhaar number and fingerprint — no debit card, no PIN, no smartphone needed. With over 300 million unbanked and underbanked Indians relying on local agents for cash access, AePS creates a massive recurring transaction business for distributors.
300M+
Underbanked Indians
₹30K Cr+
Monthly AePS Volume
6L+
Banking Points
24/7
Service Availability
AePS Services You Can Offer
Enable a full suite of Aadhaar-based banking services through your agent network.
Cash Withdrawal
Enable Aadhaar-based cash withdrawals at retail outlets across your network.
Balance Enquiry
Offer instant bank balance checks using fingerprint authentication.
Mini Statement
Provide recent transaction history through biometric verification.
Fund Transfer
Enable Aadhaar-to-Aadhaar fund transfers through your agent network.
Biometric Authentication
Secure every transaction with UIDAI-compliant biometric verification.
Platform Built for Scale and Security
Multi-Bank Integrations
Connect with multiple acquiring banks to ensure high uptime and wider coverage across regions.
Fast Settlement
Quick commission settlements and transparent reconciliation for your entire network.
Secure Biometric Transactions
End-to-end encrypted Aadhaar authentication with NPCI-compliant transaction flows.
Build and Manage Your Agent Network
Onboard distributors and retailers, control wallets, monitor transactions, and manage commissions — all from a centralized dashboard designed for network-scale operations.
Monitor Your Business with Real-Time Analytics
Track every aspect of your AePS business — from transaction volumes and revenue to retailer performance and network health.
Build a Recurring Commission Business
AePS generates high-frequency, recurring transactions. Every cash withdrawal and balance check earns you a commission — and it compounds as your network grows.
Per-Transaction Commission
Earn commission on every cash withdrawal, balance enquiry, and mini statement processed.
Network Volume Revenue
Scale your earnings by expanding your retailer network across more locations.
Settlement Margins
Generate additional revenue through settlement spreads and service charges.
Value-Added Services
Cross-sell recharge, money transfer, and bill payment services to boost per-agent revenue.
Power Financial Inclusion Across India
AePS bridges the gap between banking infrastructure and the people who need it most. Build a business that creates real social impact.
Rural Banking Access
Bring banking services to villages and small towns where bank branches don't exist.
Retail Shops as ATMs
Transform neighbourhood kirana stores into functional Aadhaar ATMs.
Financial Empowerment
Enable underserved communities to access their money without travelling long distances.
Digital India Mission
Contribute to national financial inclusion goals while building a profitable business.
Why Businesses Choose Eloka
A complete white-label platform built for Aadhaar banking at scale.
Who Can Launch an AePS Business
Distributors
Scale AePS services across regions with a ready-to-deploy agent network.
Fintech Entrepreneurs
Launch an Aadhaar banking business with minimal investment and full platform support.
Rural Banking Operators
Bring banking access to underserved areas through a network of retail agents.
Network Owners
Add high-frequency AePS services to your existing agent network for incremental revenue.
Start Your AePS Business Today
Launch your own Aadhaar banking network and build a commission-based transaction business under your brand.