New ATM Features – In today’s fast-evolving banking landscape, ATMs are no longer just cash dispensing machines. They have transformed into smart kiosks offering a range of essential services that can save you time, effort, and even money. With banks upgrading their infrastructure, you can now complete many banking tasks right at your nearest ATM without visiting a branch. From mobile number updates to loan EMI deposits, the new generation of ATMs has empowered account holders with an impressive suite of services. Here’s a detailed breakdown of all the new features and how you can use them.
New Era of Banking: What Has Changed in ATM Services?
Over the past few years, banks have focused on making ATMs more interactive and service-rich. These upgrades are aimed at enhancing customer convenience and reducing the workload on branch staff.
- No longer limited to just withdrawals or balance checks.
- Over 11 new services now available 24/7.
- Services being rolled out across major public and private sector banks.
Let’s look at the full list of these ATM-based features.
Top 11 Services You Can Now Avail from ATMs
Banks have integrated several useful features into their ATM interfaces. Here’s the complete list of the new services now accessible from most modern ATMs:
| Service No. | New ATM Feature | Purpose | Availability |
|---|---|---|---|
| 1 | Cash Deposit via ATM | Deposit money without going to the branch | 24/7 in most locations |
| 2 | Mobile Number Update | Link or change your registered mobile | Available in select ATMs |
| 3 | Mini Statement Printout | Print recent transactions instantly | All ATMs |
| 4 | Cheque Book Request | Place request for new cheque book | Enabled in top banks |
| 5 | ATM PIN Change | Change or regenerate ATM PIN | All ATMs |
| 6 | Card Block Request | Block lost/stolen card instantly | All ATMs |
| 7 | Aadhaar Seeding | Link Aadhaar with your account | Available selectively |
| 8 | Balance Inquiry & Fund Transfer | Transfer funds within linked accounts | Most ATMs |
| 9 | Loan EMI Payment | Pay EMIs or dues using card or cash | Enabled in many ATMs |
| 10 | Utility Bill Payment | Pay electricity, water, and gas bills | Under rollout |
| 11 | Cardless Withdrawal | Withdraw cash using OTP/authentication | In upgraded ATMs only |
Detailed Guide to Using New ATM Features
Each of these services is designed to be user-friendly. Here’s how you can use them at your nearest ATM.
1. Mobile Number Update via ATM
You can now change or link your registered mobile number directly at an ATM. This is especially useful if your old number is inactive.
- Insert your ATM card and enter your PIN.
- Choose “Services” or “More Options.”
- Select “Mobile Number Update.”
- Enter your old and new mobile number.
- Confirm via OTP sent to the new number.
2. Aadhaar Seeding at ATMs
Many banks allow you to link Aadhaar with your bank account via ATMs.
- Go to “Services” menu.
- Choose “Aadhaar Seeding.”
- Enter your Aadhaar number and confirm it.
- You may get a confirmation SMS once it’s linked.
3. Cash Deposit and Cardless Withdrawals
Cardless withdrawals and cash deposits are now common in smart ATMs.
| Transaction Type | Steps to Use | Limit per Day |
|---|---|---|
| Cash Deposit | Use deposit slot, follow on-screen instructions | ₹50,000 (varies) |
| Cardless Withdrawal | Use mobile app to generate OTP, use at ATM | ₹10,000 – ₹20,000 |
4. Pay Bills and Loan Dues Without Branch Visit
Paying your bills or EMIs no longer requires internet banking or branch visits.
- Choose “Bill Pay” or “Loan Payment.”
- Enter your consumer number or loan ID.
- Verify and confirm payment via PIN.
- Collect transaction slip for records.
Major Banks Offering These Features
Most major banks have started offering these features on a phased basis. Here’s an overview of banks and the services they provide at their ATMs.
| Bank Name | Cardless Withdrawals | Mobile Update | Cash Deposit | Bill Payment |
|---|---|---|---|---|
| State Bank of India | Yes | Yes | Yes | Yes (in rollout) |
| HDFC Bank | Yes | No | Yes | Yes |
| ICICI Bank | Yes | Yes | Yes | Yes |
| Axis Bank | Yes | Yes | Yes | Yes |
| Bank of Baroda | No | Yes | Yes | No |
| Punjab National Bank | No | No | Yes | Yes |
| Canara Bank | No | Yes | Yes | No |
Why These New ATM Services Matter
The introduction of these features is more than just a tech upgrade. It brings significant benefits to the public, especially those who:
- Live in remote or rural areas with limited branch access.
- Face issues accessing digital banking apps.
- Prefer face-to-face services but want faster alternatives.
- Need to perform urgent tasks like card blocking or bill payments outside working hours.
Upcoming Services You May See Soon
As banks continue to digitize, you can expect even more services to be added to ATM interfaces. These may include:
- PAN update and KYC submission via ATM.
- Instant bank account statement printouts.
- Voice-assisted ATM navigation for the visually impaired.
With the banking ecosystem transforming rapidly, ATMs have evolved into all-in-one self-service points. These 11 newly introduced services are a step forward in improving banking accessibility and efficiency. Whether you want to deposit money, update your mobile number, or pay your loan dues, your ATM can now do much more than ever before.
FAQs
1. Are these ATM services available 24/7?
Yes, most of the new ATM services like cash deposit, mini statement, and PIN change are available round the clock.
2. Can I update my Aadhaar at any ATM?
Only select bank ATMs currently support Aadhaar linking. Check with your bank for availability.
3. Is there any fee for using these additional services?
Most services are free, but some banks may charge for certain transactions like duplicate statement or cardless withdrawals.
4. How secure is cardless cash withdrawal?
Cardless withdrawals require OTP and mobile verification, making them highly secure if used correctly.
5. What should I do if my ATM doesn’t show these options?
It’s likely an older machine. Visit a newer ATM kiosk or contact your bank for nearby upgraded ATM locations.