First Train ATM Trial In Mumbai: In a revolutionary move aimed at enhancing passenger convenience and financial accessibility, Indian Railways has successfully conducted a trial run of the country’s first-ever onboard ATM on the Panchavati Express, which operates between Mumbai and Manmad. The ATM, installed inside an air-conditioned coach, allows passengers to withdraw cash and access basic banking services while travelling.
Positive Response To ATM
The trial marks a significant technological leap for the railways, aiming to combine mobility with digital financial services. According to railway officials, the ATM performed well during the trial, though minor signal disruptions were reported in low or no-network zones, which temporarily affected transaction processing. Despite these technical issues, the overall response to the initiative has been positive.
The onboard ATM is equipped with CCTV surveillance for round-the-clock monitoring and can be securely shuttered if needed, ensuring passenger and asset safety. On traveller’s demand and popularity the service could be extended to other long-distance and premium trains across the country.
Moving Beyond Stations
This initiative aligns with Indian Railways’ broader policy to install ATMs and Digital Banking Units (DBUs) at railway stations nationwide. These facilities, typically set up in designated areas, aim to provide seamless banking access to millions of passengers who pass through railway stations every day.
Under the current policy, banks and service providers are encouraged to participate in e-auctions to install ATMs and DBUs at station premises. This public-private collaboration not only promotes financial inclusion but also supports the Digital India initiative by making financial services more accessible in both urban and rural areas.
A New Era of Rail Travel
The introduction of the onboard ATM reflects Indian Railways’ commitment to enhancing passenger experience through innovation. As train journeys often span several hours, access to cash and banking services en route can be a game-changer, particularly for those traveling to remote areas or in emergencies.
Railway authorities are now analyzing feedback from the initial trial and are working with technology partners to improve network reliability in weak signal zones, ensuring uninterrupted service in future implementations.
As India continues to modernize its railway infrastructure, such tech-forward initiatives are likely to redefine the travel experience for millions, blending comfort, convenience and connectivity on the move.
