SBI ATM franchise is a regulated business model offered through RBI-compliant Technology Service Providers like Muthoot ATM, Tata Indicash, and India1 ATM. An entrepreneur can earn commission on each of the transaction with just 5-7 lakhs setup cost. The monthly earning would range between Rs 45,000 to Rs 80,000 depending on the footfall and city.
Below is a breakdown of an approximate cost involved in setting up an SBI ATM franchise –
| Cost Component | Estimated Amount |
| Non-refundable Application Fee | ₹2,000 – ₹5,000 |
| Setup Cost (interiors, electricity, civil work) | ₹2 – ₹3 lakhs |
| Security Deposit (refundable) | ₹2 – ₹3 lakhs |
| Total Investment | ₹5 – ₹7 lakhs |
- Space Required: Minimum 50–80 sq. ft.
- Must be on ground floor with 24×7 access and power backup
Now, let us see the earning model of such a franchise assuming the ATM is at a tier-1 city which will mean a high footfall.
| Transaction Type | Avg. Transactions per Month | Commission per Transaction | Monthly Earnings |
|---|---|---|---|
| Financial Transactions | 8,000 | ₹10 | ₹80,000 |
| Non-Financial | 2,000 | ₹2 | ₹4,000 |
| Total | 10,000 | — | ₹84,000 |
The additional earning opportunities which such a franchise can provide are –
- Advertisement Space
- Cross-Selling Financial Products
- Multi-Bank Transactions
If you have a strategically located property and want to generate regular income without the hustle of running a business, this can be good option for you.
