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Indian Railways Completes Successful Trial of First Onboard ATM on Panchvati Express

The innovative ATM service, developed with Bank of Maharashtra, offers cash withdrawals and banking services to passengers, with potential expansion under consideration.

Railway officials added that if the trial is successful, it would open the doors for more such ATMs on trains.
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Overview

  • The Mumbai-Manmad Panchvati Express became the first train in India to feature an onboard ATM, installed as part of a trial run on April 10, 2025.
  • The initiative was developed under the Innovative and Non-Fare Revenue Ideas Scheme (INFRIS) in collaboration with the Bhusawal Division of Indian Railways and the Bank of Maharashtra.
  • Passengers can withdraw cash, order cheque books, and access account statements while traveling, with the ATM accessible across all 22 interconnected coaches.
  • Safety measures include vibration isolation with rubber pads, bolts, fire extinguishers, a shutter system, and round-the-clock CCTV surveillance.
  • The trial was deemed successful despite minor network disruptions between Igatpuri and Kasara, and railway officials are monitoring its performance for potential expansion to other routes.