RBI Mandates Banks and ATM Operators to Ensure Availability of ₹100 and ₹200 Notes in ATMs [Read Order]
RBI has mandated all banks and ATM operators to ensure that at least 90% of ATMs dispense Rs. 100 or Rs. 200 notes by March 31, 2026, to improve public access to lower denominations.
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The Reserve Bank of India (RBI) issued a notification dated April 28, 2025, directing all banks and White Label ATM Operators (WLAOs) to ensure the consistent availability of Rs. 100 and Rs. 200 denomination banknotes through their ATM networks. The move is part of RBI’s broader strategy to: Improve the availability of commonly used denominations in circulation. Facilitate...
The Reserve Bank of India (RBI) issued a notification dated April 28, 2025, directing all banks and White Label ATM Operators (WLAOs) to ensure the consistent availability of Rs. 100 and Rs. 200 denomination banknotes through their ATM networks.
The move is part of RBI’s broader strategy to:
- Improve the availability of commonly used denominations in circulation.
- Facilitate convenient cash transactions, especially in rural, semi-urban, and low-income urban areas.
- Address complaints regarding the non-availability of smaller notes in automated teller machines, which often dispense only Rs. 500 notes or higher.
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The RBI has laid down two specific deadlines to implement this requirement:
- By September 30, 2025: A minimum of 75% of all ATMs (including on-site, off-site, and white-label ATMs) must be configured to dispense either Rs. 100 or Rs. 200 denomination banknotes from at least one cassette.
- By March 31, 2026: The coverage must increase to 90% of all ATMs, again ensuring that at least one cassette in each machine dispenses either of the two denominations.
Scope and Applicability
- The directive is applicable to all commercial banks operating ATMs.
- It extends to White Label ATM Operators (WLAOs), who run ATMs independently but under RBI authorization.
- Banks and operators are expected to modify ATM cassette configurations and cash replenishment logistics to meet these targets.
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Operational Implications
- Banks will need to ensure appropriate cash sorting, stocking, and loading mechanisms are in place to comply with the directive.
- Non-compliance may attract regulatory scrutiny as the circular has been issued under the authority of the Department of Currency Management.
To Read the full text of the Notice CLICK HERE
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