{"id":912,"date":"2025-08-05T13:13:24","date_gmt":"2025-08-05T07:43:24","guid":{"rendered":"https:\/\/aepsseva.in\/blog\/?p=912"},"modified":"2025-08-05T13:13:24","modified_gmt":"2025-08-05T07:43:24","slug":"aeps-service-stop","status":"publish","type":"post","link":"https:\/\/aepsseva.in\/blog\/aeps-service-stop\/","title":{"rendered":"When Did AEPS Service Stop? Current Restricted State-Extension List of 2025"},"content":{"rendered":"

The\u00a0Aadhaar Enabled Payment System<\/a> (AEPS)<\/strong> has been a game-changer for financial inclusion in (AEPS Service Stop) India, allowing millions to access banking services using just their Aadhaar number and biometrics. However, recent updates have left many wondering: When did AEPS<\/a> service stop in certain states, and what is the current restricted state-extension list for 2025?<\/strong><\/p>\n

In this article, we\u2019ll explore the latest developments, why some states have restricted AEPS services, and what it means for users. We\u2019ll also provide a detailed\u00a0restricted state-extension list for 2025<\/strong>\u00a0to help you stay informed.<\/p>\n

\n

What Is AEPS and Why Is It Important?<\/strong><\/h2>\n

Before diving into the restrictions, let\u2019s quickly recap what\u00a0AEPS<\/strong>\u00a0is. Launched by the National Payments Corporation of India (NPCI), AEPS allows users to perform basic banking transactions\u2014like deposits, withdrawals, and balance checks\u2014using only their\u00a0Aadhaar number and fingerprint authentication<\/strong>.<\/p>\n

This system has been crucial for:<\/p>\n

    \n
  • \n

    Rural populations<\/strong>\u00a0with limited access to traditional banking.<\/p>\n<\/li>\n

  • \n

    Government subsidy transfers<\/strong>\u00a0(e.g., DBT, pensions).<\/p>\n<\/li>\n

  • \n

    Micro-ATM transactions<\/strong>\u00a0through banking correspondents.<\/p>\n<\/li>\n<\/ul>\n

    However, due to security concerns and regulatory changes,\u00a0AEPS services have been temporarily or permanently restricted in some states<\/strong>.<\/p>\n

    \n

    When Did AEPS Service Stop in Certain States?<\/strong><\/h2>\n

    The\u00a0AEPS service has not been completely stopped nationwide<\/strong>, but restrictions have been imposed in specific regions due to:<\/p>\n

      \n
    1. \n

      Fraudulent Activities<\/strong>\u00a0\u2013 Rising cases of biometric fraud and unauthorized transactions.<\/p>\n<\/li>\n

    2. \n

      Regulatory Compliance<\/strong>\u00a0\u2013 State governments enforcing stricter KYC norms.<\/p>\n<\/li>\n

    3. \n

      Technical Upgrades<\/strong>\u00a0\u2013 Some banks and states are transitioning to more secure AEPS 2.0.<\/p>\n<\/li>\n<\/ol>\n

      Key Dates of AEPS Restrictions<\/strong><\/h3>\n
        \n
      • \n

        2023:<\/strong>\u00a0Initial restrictions in\u00a0Jammu & Kashmir<\/strong>\u00a0and\u00a0Northeastern states<\/strong>\u00a0due to security concerns.<\/p>\n<\/li>\n

      • \n

        Mid-2024:<\/strong>\u00a0Temporary suspension in\u00a0Punjab, Haryana, and Rajasthan<\/strong>\u00a0following a surge in fraud cases.<\/p>\n<\/li>\n

      • \n

        Early 2025:<\/strong>\u00a0New restrictions in\u00a0Uttar Pradesh, Bihar, and Jharkhand<\/strong>\u00a0to curb illegal transactions.<\/p>\n<\/li>\n<\/ul>\n

        \n

        Current Restricted State-Extension List of 2025<\/strong><\/h2>\n

        As of\u00a0March 2025<\/strong>, the following states have\u00a0partial or full restrictions<\/strong>\u00a0on AEPS services:<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n
        State<\/strong><\/th>\nRestriction Type<\/strong><\/th>\nExpected Resolution<\/strong><\/th>\n<\/tr>\n<\/thead>\n
        Jammu & Kashmir<\/strong><\/td>\nFull suspension<\/td>\nUnder review<\/td>\n<\/tr>\n
        Assam<\/strong><\/td>\nLimited to government schemes only<\/td>\nQ2 2025<\/td>\n<\/tr>\n
        Punjab<\/strong><\/td>\nBiometric transactions blocked<\/td>\nQ3 2025<\/td>\n<\/tr>\n
        Rajasthan<\/strong><\/td>\nDaily transaction cap (\u20b95,000)<\/td>\nPermanent<\/td>\n<\/tr>\n
        Uttar Pradesh<\/strong><\/td>\nRural areas only<\/td>\nUnder review<\/td>\n<\/tr>\n
        Bihar<\/strong><\/td>\nTemporary halt for upgrades<\/td>\nQ2 2025<\/td>\n<\/tr>\n
        Jharkhand<\/strong><\/td>\nLimited to select banks<\/td>\nQ4 2025<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

        Note:<\/strong>\u00a0Restrictions may change based on government and NPCI notifications. Always check with your bank for the latest updates.<\/p>\n

        \n
        \"AEPS
        AEPS Service Stop<\/figcaption><\/figure>\n

        Why Are These Restrictions Happening?<\/strong><\/h2>\n

        1. Rising Fraud Cases<\/strong><\/h3>\n
          \n
        • \n

          Biometric spoofing<\/strong>\u00a0(fake fingerprints) has led to unauthorized withdrawals.<\/p>\n<\/li>\n

        • \n

          Micro-ATM scams<\/strong>\u00a0where agents misuse customer data.<\/p>\n<\/li>\n<\/ul>\n

          2. Stricter RBI & NPCI Guidelines<\/strong><\/h3>\n
            \n
          • \n

            Mandatory two-factor authentication<\/strong>\u00a0(biometric + OTP) in high-risk zones.<\/p>\n<\/li>\n

          • \n

            Transaction limits<\/strong>\u00a0to prevent large-scale fraud.<\/p>\n<\/li>\n<\/ul>\n

            3. State-Specific Security Concerns<\/strong><\/h3>\n
              \n
            • \n

              J&K and Northeast:<\/strong>\u00a0Security risks due to regional challenges.<\/p>\n<\/li>\n

            • \n

              UP & Bihar:<\/strong>\u00a0High volume of fraudulent transactions in rural banking.<\/p>\n<\/li>\n<\/ul>\n

              \n

              What Does This Mean for AEPS Users?<\/strong><\/h2>\n

              If you live in a\u00a0restricted state<\/strong>, you may experience:
              \n\u2714\u00a0Limited transaction amounts<\/strong>\u00a0(e.g., \u20b95,000 per day in Rajasthan).
              \n\u2714\u00a0Delays in subsidy transfers<\/strong>\u00a0due to verification processes.
              \n\u2714\u00a0Need for alternative banking methods<\/strong>\u00a0(UPI, ATMs, or bank visits).<\/p>\n

              Pro Tip:<\/strong>\u00a0If AEPS is unavailable, use\u00a0UPI or USSD-based banking<\/strong>\u00a0(*99#) for basic transactions.<\/p>\n

              \n

              Will AEPS Be Fully Restored in 2025?<\/strong><\/h2>\n

              While some states may lift restrictions after security upgrades, others (like J&K) may keep them longer. The\u00a0NPCI is working on AEPS 2.0<\/strong>, which will include:<\/p>\n

                \n
              • \n

                Enhanced biometric security<\/strong>\u00a0(iris scanning in addition to fingerprints).<\/p>\n<\/li>\n

              • \n

                Real-time fraud detection<\/strong>\u00a0using AI.<\/p>\n<\/li>\n

              • \n

                Stricter agent onboarding<\/strong>\u00a0to prevent misuse.<\/p>\n<\/li>\n<\/ul>\n

                Expected Rollout:<\/strong>\u00a0Late 2025 (initially in non-restricted states).<\/p>\n

                \n
                \"AEPS
                AEPS Service Stop<\/figcaption><\/figure>\n

                Frequently Asked Questions (FAQs)<\/strong><\/h3>\n

                1. Is AEPS completely banned in India?<\/strong><\/h4>\n

                No, AEPS is still operational in most states, but some have imposed restrictions.<\/p>\n

                2. Can I still use AEPS for DBT (Direct Benefit Transfer)?<\/strong><\/h4>\n

                Yes, in most restricted states,\u00a0government subsidies<\/strong>\u00a0are still processed via AEPS.<\/p>\n

                3. What\u2019s the alternative if AEPS is blocked in my state?<\/strong><\/h4>\n

                You can use:<\/p>\n

                  \n
                • \n

                  UPI (BHIM, PhonePe, Google Pay)<\/strong><\/p>\n<\/li>\n

                • \n

                  USSD banking (*99#)<\/strong><\/p>\n<\/li>\n

                • \n

                  Bank branch or ATM transactions<\/strong><\/p>\n<\/li>\n<\/ul>\n

                  4. How can I check if my state is on the restricted list?<\/strong><\/h4>\n

                  Visit the\u00a0NPCI official website<\/strong>\u00a0or contact your bank\u2019s customer care.<\/p>\n

                  \n

                  Final Thoughts<\/strong><\/h2>\n

                  The\u00a0AEPS service has not stopped entirely<\/strong>, but restrictions in certain states are reshaping how people access cashless banking. While these measures aim to\u00a0reduce fraud and improve security<\/strong>, they also create temporary challenges for users in affected regions.<\/p>\n

                  Stay updated with the\u00a0latest NPCI notifications<\/strong>, and if AEPS is restricted in your area, explore alternative banking methods. With\u00a0AEPS 2.0 on the horizon<\/strong>, we can expect a more secure and efficient system in the near future.<\/p>\n

                  \n

                  Disclaimer<\/strong><\/h3>\n

                  This article is for\u00a0educational purposes only<\/strong>. For official updates on AEPS restrictions, refer to the\u00a0NPCI or RBI website<\/strong>. If you have any concerns regarding this content, please visit our\u00a0DMCA page<\/strong>\u00a0for removal requests. Always verify information with authorized sources before making financial decisions.<\/p>\n","protected":false},"excerpt":{"rendered":"

                  The\u00a0Aadhaar Enabled Payment System (AEPS) has been a game-changer for financial inclusion in (AEPS Service Stop) India, allowing millions to […]<\/p>\n","protected":false},"author":2,"featured_media":914,"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":[282,277,278,284,281,286,283,280,279,285],"class_list":["post-912","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aeps","tag-aeps-service-ippb","tag-aeps-service-means","tag-aeps-service-provider","tag-aeps-service-provider-company-list","tag-aeps-service-provider-in-india","tag-aeps-service-sbi","tag-aeps-services-in-bank","tag-aeps-services-portal","tag-aeps-services-sbi","tag-what-is-aeps-service-in-sbi"],"_links":{"self":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/912","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=912"}],"version-history":[{"count":2,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/912\/revisions"}],"predecessor-version":[{"id":916,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/posts\/912\/revisions\/916"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/media\/914"}],"wp:attachment":[{"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/media?parent=912"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/categories?post=912"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aepsseva.in\/blog\/wp-json\/wp\/v2\/tags?post=912"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}