CSCSEVA AEPS Service is a game-changer for rural entrepreneurs looking to start a low-cost business with high earning potential. If you live in a village or small town and want to earn a steady income of ₹15,000/month or more, this could be the perfect opportunity for you.
In this article, we’ll explore how the CSCSEVA AEPS (Aadhaar Enabled Payment System) works, why it’s a great business model for rural India, and how you can set it up with minimal investment. We’ll also discuss real-life success stories, challenges, and tips to maximize your earnings.
What is CSCSEVA AEPS Service?
CSCSEVA AEPS is a banking service offered through Common Service Centers (CSCs), which are digital kiosks set up by the Indian government to provide financial and government services in rural areas. The AEPS (Aadhaar Enabled Payment System) allows people to perform basic banking transactions using just their Aadhaar number and fingerprint authentication.
Key Services Offered Under AEPS:
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Cash Withdrawal
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Balance Inquiry
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Mini Statement
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Aadhaar to Aadhaar Fund Transfer
Since many rural areas lack proper bank branches, CSCSEVA AEPS fills this gap by enabling villagers to access banking services easily.
Why is AEPS a Great Business Opportunity in Rural Areas?
1. Low Investment, High Returns
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You don’t need a shop or heavy infrastructure.
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The initial setup cost is as low as ₹10,000–15,000 (for a smartphone, fingerprint scanner, and AEPS registration).
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You can earn ₹15,000–25,000/month depending on transactions.
2. High Demand in Villages
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Many rural people don’t have debit cards but have Aadhaar-linked bank accounts.
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Farmers, laborers, and small traders frequently need cash withdrawals.
3. Government-Backed and Trusted
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CSC Digital Seva Portal is a government-approved initiative.
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People trust AEPS because it’s linked to Aadhaar and banks.
4. Additional Income Sources
Along with AEPS, you can offer:
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PAN Card services
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Insurance payments
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Mobile/DTH recharge
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Bill payments
This diversifies your income beyond just AEPS transactions.
How to Start a CSCSEVA AEPS Business?
Step 1: Become a CSC Village Level Entrepreneur (VLE)
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Register on the CSC Digital Seva Portal.
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Submit required documents (Aadhaar, PAN, bank details).
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Pay a one-time registration fee (varies by state).
Step 2: Get AEPS Approval
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After becoming a VLE, apply for AEPS services through your CSC dashboard.
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Link your bank account for commission settlements.
Step 3: Set Up Your AEPS Kiosk
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Devices Needed:
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Smartphone/Tablet
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Fingerprint Scanner (₹2,000–3,000)
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Internet Connection (Jio/Airtel 4G works)
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Step 4: Start Transactions & Earn Money
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Commission Structure:
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₹5–15 per cash withdrawal
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₹2–5 for balance inquiry
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Additional commissions on other services
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If you handle 30–50 transactions/day, you can easily make ₹300–700/day (₹9,000–21,000/month).
Success Story: How Rajesh Earns ₹18,000/Month with AEPS
Rajesh, a small shop owner in Bihar, started CSCSEVA AEPS with just ₹12,000 investment. He set up a small counter in his grocery shop and began offering AEPS services.
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Daily Transactions: 40–50
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Earnings: ₹500–600/day (₹15,000–18,000/month)
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Extra Income: Mobile recharges & bill payments (₹3,000–5,000/month)
Now, Rajesh is planning to expand by adding PAN card and insurance services.
Challenges & How to Overcome Them
1. Internet Connectivity Issues
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Solution: Use a Jio/Airtel 4G dongle as a backup.
2. Low Awareness in Villages
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Solution: Conduct small awareness camps or offer first 5 transactions free.
3. Competition from Local Banks
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Solution: Provide better service speed and home withdrawals for elderly customers.
Tips to Maximize Earnings with CSCSEVA AEPS
✔ Offer multiple services (recharge, bill payments, insurance).
✔ Promote in local markets with posters & word of mouth.
✔ Provide doorstep service for elderly or disabled customers.
✔ Use social media (WhatsApp groups) to inform villagers about your services.
Frequently Asked Questions (FAQs)
1. How much can I earn with CSCSEVA AEPS?
You can earn ₹15,000–25,000/month depending on transactions.
2. Is AEPS safe for customers?
Yes, it uses Aadhaar biometric authentication, making it secure.
3. Can I run AEPS without a shop?
Yes, you can operate from home or even as a mobile service provider.
4. What if a transaction fails?
Funds are automatically reversed in 2–3 days. Always give customers a receipt.
5. How do I get commissions?
Commissions are credited to your linked bank account every week.
Conclusion: Is CSCSEVA AEPS Worth It?
If you’re looking for a low-investment, high-profit business in rural India, CSCSEVA AEPS is an excellent choice. With minimal setup costs, government support, and high demand, you can easily earn ₹15,000/month or more.
Start today, serve your community, and build a sustainable income source!
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