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Indian Railways Completes Trial of First Onboard ATM on Panchavati Express

The innovative ATM, installed in collaboration with the Bank of Maharashtra, allows passengers to withdraw cash mid-journey and is being monitored for potential expansion to other routes.

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 Panchavati Express has become the first train in India to feature an onboard ATM, located in a modified pantry space within an air-conditioned coach.
  • The ATM, part of the Indian Railways’ Innovative and Non-Fare Revenue Ideas Scheme (INFRIS), successfully completed its trial run on April 10, 2025, with minor connectivity issues noted in tunnel stretches between Igatpuri and Kasara.
  • Passengers across all 22 vestibule-connected coaches can access the ATM for cash withdrawals, cheque book orders, and account statements during their journey.
  • The trial, conducted in partnership with the Bank of Maharashtra, aims to enhance passenger convenience and diversify revenue streams for Indian Railways.
  • Officials are evaluating the trial’s performance to consider extending the service to other trains, including the Mumbai–Hingoli Jan Shatabdi Express, which shares the same rake.