{"id":661,"date":"2025-07-29T12:15:03","date_gmt":"2025-07-29T06:45:03","guid":{"rendered":"https:\/\/aepsseva.in\/blog\/?p=661"},"modified":"2025-07-29T12:15:44","modified_gmt":"2025-07-29T06:45:44","slug":"aeps-2","status":"publish","type":"post","link":"https:\/\/aepsseva.in\/blog\/aeps-2\/","title":{"rendered":"AEPS Commission Chart 2025: Which Bank Gets How Much Profit?"},"content":{"rendered":"<p class=\"ds-markdown-paragraph\">The\u00a0<strong>AEPS (Aadhaar Enabled Payment System)<\/strong>\u00a0has revolutionized digital banking in India, enabling millions to perform cashless transactions using just their Aadhaar number. But have you ever wondered how banks earn from AEPS transactions? The\u00a0<strong>AEPS commission chart 2025<\/strong>\u00a0reveals which banks profit the most and how much they make per transaction.<\/p>\n<p class=\"ds-markdown-paragraph\">In this detailed guide, we\u2019ll break down the\u00a0<strong>AEPS commission structure for 2025<\/strong>, compare bank-wise earnings, and explain the factors influencing these profits. Whether you&#8217;re a banking professional, a business owner, or just curious about digital payments, this article will give you valuable insights.<\/p>\n<hr \/>\n<h2><strong>Understanding AEPS and How Commissions Work<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">Before diving into the\u00a0<strong>AEPS commission chart 2025<\/strong>, let\u2019s quickly recap how AEPS functions:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>AEPS (Aadhaar Enabled Payment System)<\/strong>\u00a0allows users to perform basic banking transactions (cash withdrawal, balance inquiry, fund transfer) using their Aadhaar number <a href=\"https:\/\/tamilnadugramabank.in\/services\/payments\/aeps\" target=\"_blank\" rel=\"noopener\">and<\/a> biometric authentication.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">It is widely used in rural and semi-urban areas where card or smartphone penetration is low.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Banks and Business Correspondents (BCs) earn a small fee for every AEPS transaction.<\/p>\n<\/li>\n<\/ul>\n<h3><strong>How Banks Earn from AEPS Transactions<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Every time a customer withdraws money or checks their balance via AEPS, the following parties earn a commission:<\/p>\n<ol start=\"1\">\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Sponsor Bank<\/strong>\u00a0(The bank facilitating the transaction)<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Business Correspondent (BC)<\/strong>\u00a0(Agents enabling transactions in remote areas)<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>NPCI (National Payments Corporation of India)<\/strong>\u00a0(Regulator of AEPS)<\/p>\n<\/li>\n<\/ol>\n<p class=\"ds-markdown-paragraph\">The\u00a0<strong>AEPS commission rates<\/strong>\u00a0are set by NPCI and revised periodically. The\u00a0<strong>2025 commission structure<\/strong>\u00a0is expected to see minor adjustments based on inflation and transaction volume.<\/p>\n<hr \/>\n<figure id=\"attachment_665\" aria-describedby=\"caption-attachment-665\" style=\"width: 640px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-665\" src=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptkfnjswpr6n91qjjx5-1024x683.png\" alt=\"AEPS\" width=\"640\" height=\"427\" title=\"\" srcset=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptkfnjswpr6n91qjjx5-1024x683.png 1024w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptkfnjswpr6n91qjjx5-300x200.png 300w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptkfnjswpr6n91qjjx5-150x100.png 150w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptkfnjswpr6n91qjjx5-768x512.png 768w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptkfnjswpr6n91qjjx5.png 1536w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><figcaption id=\"caption-attachment-665\" class=\"wp-caption-text\">AEPS<\/figcaption><\/figure>\n<h2><strong>AEPS Commission Chart 2025: Bank-Wise Breakdown<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">The exact\u00a0<strong>AEPS commission rates 2025<\/strong>\u00a0may vary slightly, but based on past trends, here\u2019s an estimated breakdown:<\/p>\n<div class=\"markdown-table-wrapper\">\n<table>\n<thead>\n<tr>\n<th><strong>Transaction Type<\/strong><\/th>\n<th><strong>Commission Earned (Approx.)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Cash Withdrawal<\/td>\n<td>\u20b95 &#8211; \u20b915 per transaction<\/td>\n<\/tr>\n<tr>\n<td>Balance Inquiry<\/td>\n<td>\u20b92 &#8211; \u20b95 per transaction<\/td>\n<\/tr>\n<tr>\n<td>Mini Statement<\/td>\n<td>\u20b93 &#8211; \u20b97 per transaction<\/td>\n<\/tr>\n<tr>\n<td>Aadhaar to Aadhaar Fund Transfer<\/td>\n<td>\u20b95 &#8211; \u20b910 per transaction<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3><strong>Which Banks Earn the Most from AEPS?<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">Some banks process a higher volume of AEPS transactions due to their extensive BC networks. Here\u2019s a projected ranking for\u00a0<strong>2025<\/strong>:<\/p>\n<ol start=\"1\">\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>State Bank of India (SBI)<\/strong>\u00a0\u2013 Largest BC network, highest transaction volume.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Bank of Baroda (BoB)<\/strong>\u00a0\u2013 Strong rural presence.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Punjab National Bank (PNB)<\/strong>\u00a0\u2013 Popular in North India.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>HDFC Bank &amp; ICICI Bank<\/strong>\u00a0\u2013 Expanding AEPS services aggressively.<\/p>\n<\/li>\n<\/ol>\n<p class=\"ds-markdown-paragraph\">Private banks like\u00a0<strong>HDFC and ICICI<\/strong>\u00a0are increasing their AEPS reach, but public sector banks still dominate due to their rural penetration.<\/p>\n<hr \/>\n<h2><strong>Factors Influencing AEPS Commissions in 2025<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">Several factors determine how much banks earn from AEPS:<\/p>\n<ol start=\"1\">\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Transaction Volume<\/strong>\u00a0\u2013 More transactions = higher profits.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Business Correspondent Network<\/strong>\u00a0\u2013 Banks with more BCs earn more.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>Rural vs. Urban Usage<\/strong>\u00a0\u2013 Rural areas see higher AEPS usage.<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong>NPCI Policy Changes<\/strong>\u00a0\u2013 Slight commission revisions may occur.<\/p>\n<\/li>\n<\/ol>\n<h3><strong>Case Study: SBI\u2019s AEPS Dominance<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">SBI processes over\u00a0<strong>40% of India\u2019s AEPS transactions<\/strong>\u00a0due to its massive BC network. In 2024, SBI earned an estimated\u00a0<strong>\u20b9300-400 crore annually<\/strong>\u00a0from AEPS commissions. With increased adoption, this could rise in\u00a0<strong>2025<\/strong>.<\/p>\n<hr \/>\n<figure id=\"attachment_664\" aria-describedby=\"caption-attachment-664\" style=\"width: 640px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-664\" src=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptmfkq8bfwhjqb4gr8v-1024x683.png\" alt=\"AEPS\" width=\"640\" height=\"427\" title=\"\" srcset=\"https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptmfkq8bfwhjqb4gr8v-1024x683.png 1024w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptmfkq8bfwhjqb4gr8v-300x200.png 300w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptmfkq8bfwhjqb4gr8v-150x100.png 150w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptmfkq8bfwhjqb4gr8v-768x512.png 768w, https:\/\/aepsseva.in\/blog\/wp-content\/uploads\/2025\/07\/20250729_1741_AEPS-Profit-Breakdown-2025_simple_compose_01k1b1eptmfkq8bfwhjqb4gr8v.png 1536w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><figcaption id=\"caption-attachment-664\" class=\"wp-caption-text\">AEPS<\/figcaption><\/figure>\n<h2><strong>How Can Businesses Benefit from AEPS Commissions?<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">If you\u2019re a\u00a0<strong>Kirana store owner, BC agent, or small bank<\/strong>, you can earn via AEPS by:<\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\">Becoming a\u00a0<strong>Business Correspondent<\/strong>\u00a0(Earn \u20b92-\u20b915 per transaction).<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Offering AEPS services in your shop (Extra income stream).<\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\">Partnering with banks to increase transaction volume.<\/p>\n<\/li>\n<\/ul>\n<hr \/>\n<h2><strong>Future of AEPS: Will Commissions Increase in 2025?<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">With\u00a0<strong>India\u2019s push for digital payments<\/strong>, AEPS usage is growing. However, NPCI may slightly\u00a0<strong>reduce commissions<\/strong>\u00a0to promote affordability. Banks will likely compensate by increasing transaction volume.<\/p>\n<hr \/>\n<h3><strong>Frequently Asked Questions (FAQs)<\/strong><\/h3>\n<h4><strong>1. What is the AEPS commission rate for cash withdrawal in 2025?<\/strong><\/h4>\n<p class=\"ds-markdown-paragraph\">The expected\u00a0<strong>AEPS cash withdrawal commission in 2025<\/strong>\u00a0is \u20b95-\u20b915 per transaction, depending on the bank.<\/p>\n<h4><strong>2. Which bank gives the highest AEPS commission?<\/strong><\/h4>\n<p class=\"ds-markdown-paragraph\"><strong>SBI, PNB, and Bank of Baroda<\/strong>\u00a0are among the top earners due to their vast BC networks.<\/p>\n<h4><strong>3. Can individuals earn from AEPS commissions?<\/strong><\/h4>\n<p class=\"ds-markdown-paragraph\">Yes, by becoming a\u00a0<strong>Business Correspondent (BC)<\/strong>\u00a0or offering AEPS services at your shop.<\/p>\n<h4><strong>4. Will AEPS commissions decrease in 2025?<\/strong><\/h4>\n<p class=\"ds-markdown-paragraph\">NPCI may slightly reduce rates, but higher transaction volumes will keep profits stable.<\/p>\n<hr \/>\n<h2><strong>Conclusion: AEPS Commission in 2025 \u2013 A Lucrative Model<\/strong><\/h2>\n<p class=\"ds-markdown-paragraph\">The\u00a0<strong>AEPS commission chart 2025<\/strong>\u00a0shows that banks with strong rural networks (like SBI, PNB, BoB) continue to dominate. While private banks are catching up, public sector banks remain the biggest beneficiaries.<\/p>\n<p class=\"ds-markdown-paragraph\">For small businesses and BC agents, AEPS remains a\u00a0<strong>steady income source<\/strong>. As digital payments grow, AEPS commissions will remain a key revenue stream for banks and agents alike.<\/p>\n<hr \/>\n<h3><strong>Disclaimer<\/strong><\/h3>\n<p class=\"ds-markdown-paragraph\">This article is for\u00a0<strong>educational purposes only<\/strong>. The\u00a0<strong>AEPS commission rates 2025<\/strong>\u00a0are estimates based on industry trends. For official updates, refer to\u00a0<strong>NPCI guidelines<\/strong>. If you have any concerns regarding this content, please visit our\u00a0<strong><a href=\"https:\/\/aepsseva.in\/blog\/aeps\/\">DMCA<\/a> page<\/strong>\u00a0for removal requests. Always verify ownership and compliance before using any financial data.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The\u00a0AEPS (Aadhaar Enabled Payment System)\u00a0has revolutionized digital banking in India, enabling millions to perform cashless transactions using just their Aadhaar [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":664,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[228],"tags":[262],"class_list":["post-661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aeps","tag-aeps"],"_links":{"self":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/comments?post=661"}],"version-history":[{"count":4,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/661\/revisions"}],"predecessor-version":[{"id":667,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/661\/revisions\/667"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/media\/664"}],"wp:attachment":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/media?parent=661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/categories?post=661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/tags?post=661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}