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Smart Banking


You can now open your own mini bank branch in remote areas to provide the customer with banking services. The Financial Inclusion plan of government of India aims at making all the areas in India accessible to banking services with the help of their business correspondents.

NSDL kiosk banking centers will provide account opening and basic banking facilities. They also disburse amounts for government schemes so that the money can reach the person it is meant for. Generating employment opportunities for the educated rural population, opening an NSDL kiosk center is low investment and good on profit.

Here is how you can become a NSDL CSP

To become an NSDL CSP, you need to fill the online application form on this website. Before making a NSDL CSP online application, you should meet following criterion.

  • Should be more than 18 years of age
  • Must have completed education of 10th
  • Minimum office space to function
  • Office Image

Once the applicant of NSDL CSP registration meets all the criterion, he can apply online.

The banking team examines the application and the identity documents and reviews if the applicant meets all their necessities and then may approve or disapprove the NSDL CSP registration. In the case of approval, the file is forwarded to the required area bank. The applicant then receives training for starting the process of making live the NSDL Kiosk banking Center.

Services provided by NSDL Kiosk Banking Center

  • Account Opening
  • Cash flow Management
  • Insurance Service
  • Bill Payment
  • Money Transfer
  • AEPS

Once the NSDL CSP registration is done, if the applicant meets the requirements and if there is an availability in that region the applicant is from, an NSDL Kiosk earns commission for providing banking services to the customers coming to their Kiosk center. There are various commissions allotted for each service and each has their own fixed commission as a means of earnings.

Apart from a great earnings, opening a Kiosk Banking Center will earn you name, fame and respect as the mini bank owner.

Bank CSP (Customer Service Point) Agents are those individuals who acts as an agent of the bank at places where it is not possible to open branch of the bank. The Kiosk Banking Business Correspondent (BC) model aims to provide real time, user friendly financial services to the consumers in their neighbourhood.

  • Association with Banks like SBI / BOB / YES BANK
  • Bank’s software / portal, User ID (KO ID) and Password
  • Biometric Reader & software for electronic thumb impression
  • Authorization Certificate of CSP by the BC
  • Bank’s Banners, signage, Logo/Stickers/Leaflets/Contact Matrix
  • Proper Training of CSP to operate the system by the BC
  • Dedicated technical support from the local Supervisors of “VKV”
  • Dedicated support from the Help Lines and web portal of “VKV”
  • Web Software to operate different services (Recharge/Billing/Travel Solution)

  • Opportunity to associate with SBI / BOB / Yes Bank
  • Very easy to use application
  • Hassle free and simple system
  • Real time based transactions
  • Very encouraging fee structure for generation of new revenue at CSP level
  • Banking, Insurance, Pension and other financial products available for customers
  • Opportunity to increase your earnings, goodwill & brand name in the market

  • Office or Retail Outlet
  • Furniture including chairs for customers
  • Electricity
  • Laptop or Desktop
  • Internet Connectivity
  • Printers: (a) General and (b) Thermal
  • Web cam
  • Finger Print Scanner
  • Some Cash for availing Cash-Holding-Limit for successful transactions (at least Rs.25,000/-)

  • Application form duly signed
  • 10 Passport size colorful recent photos
  • Educational Certificates Matric onwards
  • PAN Card (Mandatory)
  • AADHAAR Card (Mandatory)
  • Voter I Card
  • Driving License
  • Shop Agreement
  • Character / Police Verification Certificate
  • Name, Address, Mobile No. and signature of two references

  • Application Form, related documents and Registration fees received by “VKV” team
  • Due Diligence Report (DDR) by the “VKV” team
  • DDR to be filed to Bank’s local branch (Link / Base Branch
  • Recommendation of Branch Manager to Regional / Circle Office.
  • Recommendation of Regional Office to LHO
  • Generation / creation of KO Code by the Bank
  • Configuration of CSP Code by the “VKV” office
  • Capturing of fingers of CSP Operator through Finger Print Scanner by the BC
  • Terminal mapping & Activation of KO Code by the Bank
  • Technical & theoretical Training of CSP by the “VKV” team
  • Link Branch / Base Branch of the Bank is informed by the “VKV” team about activation of CSP
  • CSP starts functioning