Aadhaar Enabled Payment System (AePS)
✓ Last verified 14 Sep 2026
The short version
AePS lets you withdraw cash, check balance, or make a small transfer using just your Aadhaar number and fingerprint/biometric authentication - no card or PIN needed, designed for areas with limited banking infrastructure.
Using Aadhaar-linked biometric authentication (typically a fingerprint scan) at a bank correspondent or micro-ATM, AePS allows basic banking transactions - cash withdrawal, balance inquiry, small fund transfers - without needing a debit card, PIN, or smartphone app. It's specifically designed to extend basic banking access to areas or individuals where traditional card/app-based banking infrastructure is limited, and has been a meaningful tool for financial inclusion in rural India.
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