The CSCS AEPS Agent plays a crucial role in enabling digital financial services in rural and semi-urban areas through the Aadhaar Enabled Payment System (AEPS). As part of the Common Service Centres (CSC) initiative, these agents must follow strict guidelines to ensure secure, transparent, and efficient transactions.
If you’re a CSC AEPS Agent or planning to become one, understanding these rules is essential. This guide breaks down the key regulations, compliance requirements, and best practices you need to follow.
Key Rules for CSCS AEPS Agents
1. Proper Registration and Authorization
Before offering AEPS services, every agent must:
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Register under the CSC Scheme and obtain a valid CSC ID.
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Complete mandatory training and certification from CSC e-Governance Services India Limited.
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Ensure their Aadhaar and bank details are correctly linked for transactions.
Example: An agent in Uttar Pradesh must first complete the CSC Digital Seva Portal registration before activating AEPS services.
2. Secure Authentication and KYC Compliance
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Every transaction must be Aadhaar-based, requiring biometric (fingerprint/iris) authentication.
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Agents cannot proceed without customer consent.
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Strict KYC (Know Your Customer) norms must be followed to prevent fraud.
Violation Penalty: Failure to verify a customer’s identity properly can lead to suspension of the agent’s ID.
3. Transaction Limits and Charges
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AEPS withdrawal limits are set by banks (usually ₹10,000 per transaction).
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Agents must display service charges transparently (typically ₹15-₹30 per transaction).
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Overcharging or hidden fees can result in blacklisting.
Case Study: In 2022, several CSC AEPS Agents in Bihar were penalized for charging extra fees beyond the prescribed limit.
4. Maintaining Records and Receipts
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Agents must provide printed or digital receipts for every transaction.
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Transaction logs should be stored securely for audit purposes.
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Failure to maintain records can lead to legal action.
5. Prohibited Activities
Agents cannot:
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Engage in money laundering or unauthorized transactions.
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Use customer Aadhaar details for any other purpose beyond AEPS.
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Share their login credentials with others.
Example: A CSC AEPS Agent in Rajasthan was suspended for allowing unauthorized personnel to use their login.
6. Grievance Redressal and Customer Support
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Agents must assist customers in case of failed transactions or disputes.
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Complaints should be escalated via the CSC SPV (Special Purpose Vehicle) portal.
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Delayed resolution can harm the agent’s reputation and lead to penalties.
Best Practices for CSC AEPS Agents
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Regular Training: Stay updated with new RBI and CSC guidelines.
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Secure Devices: Use only authorized biometric devices to prevent fraud.
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Customer Awareness: Educate users about AEPS benefits and risks.
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Timely Settlement: Ensure all transactions are settled without delays.
Frequently Asked Questions (FAQs)
1. What is the maximum withdrawal limit for CSC AEPS Agents?
Most banks allow ₹10,000 per transaction, but limits may vary.
2. Can a CSC AEPS Agent charge extra fees?
No, agents must follow the prescribed charges (₹15-₹30 per transaction).
3. What happens if an AEPS transaction fails?
The agent must check the logs, inform the customer, and initiate a refund if needed.
4. How can I report fraud by a CSC AEPS Agent?
Complaints can be filed on the CSC Digital Seva Portal or via banking ombudsman.
5. Is Aadhaar mandatory for AEPS transactions?
Yes, biometric authentication via Aadhaar is compulsory.
Conclusion
Being a CSC AEPS Agent comes with great responsibility. Following the rules and regulations ensures smooth operations, builds trust with customers, and avoids legal troubles. By adhering to secure authentication, transparent pricing, and proper record-keeping, agents can contribute effectively to India’s digital financial inclusion goals.
If you’re an existing or aspiring agent, always stay compliant and prioritize customer security above all else.
Disclaimer
This post is for educational purposes only. For any issues related to content ownership or removal, please refer to the DMCA policy or contact the respective authorities. Always verify the latest guidelines from CSC Digital Seva Portal or banking partners before proceeding with transactions.