Join India's financial inclusion mission under PM Jan Dhan Yojana. Earn a steady income while bringing banking access to millions who need it.
What is a Bank Mitra?
A Bank Mitra (Customer Service Point / CSP) acts as the authorised representative of a bank in areas where opening a full branch isn't feasible — bringing essential financial services directly to rural and semi-urban communities.
What You'll Do
As a CSP you become a one-stop financial touchpoint for your neighbourhood.
Help citizens open zero-balance savings accounts under PMJDY quickly and easily.
Accept cash deposits on behalf of the partner bank into customer accounts.
Enable Aadhaar-based withdrawals using a micro-ATM for quick, secure access.
Enroll customers in Jeevan Jyoti Bima Yojana and Suraksha Bima Yojana.
Register workers in the government-backed retirement pension scheme.
Facilitate inter-bank remittances and transfer funds between accounts.
Why Become a Bank Mitra?
Competitive compensation, flexible hours, and the pride of bringing banking to the unbanked.
All Bank Mitras receive a guaranteed base salary of ₹5,000 per month from the partner bank, irrespective of transaction volume.
Earn additional commissions on every debit/credit card issued, account opened, and insurance policy enrolled. Commission rates vary by bank.
Operate under the official PMJDY scheme with institutional support from scheduled commercial banks including SBI, BOI, and BOB.
Government Schemes
Bank Mitras are the on-ground delivery channel for these flagship financial inclusion programmes.
Zero-balance accounts with RuPay debit cards and accident insurance for unbanked Indians.
Government co-contribution pension scheme for workers in the unorganised sector.
Renewable life insurance cover of ₹2 lakh for a premium of just ₹330 per year.
Accidental death and disability cover of ₹2 lakh at an annual premium of just ₹12.
Application Process
The process is straightforward. Most applications are reviewed within a few working days.
You must be above 18 years old, hold valid ID proof (Aadhaar, PAN), have a permanent address, and be willing to set up a small outlet in an area with limited banking access.
Prepare ID proof, address proof, passport-size photographs, educational qualification certificates, and any existing business registration documents.
Fill in the CSP application form on this website and upload your documents. Select the bank you wish to partner with and the location you propose to serve.
Each bank conducts its own screening process. You may be invited for a brief interview or field verification before approval is granted.
Once approved, you will receive training on banking processes and a biometric micro-ATM device to begin serving customers in your community.
Join thousands of Bank Mitras who are bringing financial inclusion to India's underserved communities — and earning a dependable income while doing so.
Resources
Everything you need to apply and get started as a Bank Mitra.