Indian Railways has improved passenger convenience by introducing automated teller machines (ATMs) on Panchvati Express, the first successful trial of its kind. The machine is part of the Innovation and Non-Financial Income Thought Plan (INFRIS), and passengers can withdraw cash even when the train moves. The initiative is a collaboration between the Indian Railways Busavar Division and the Bank of Maharashtra.
The ATM is set up in the air conditioning coach and can be contacted from all 22 coaches on the train and connected through the vest vestibule. In addition to withdrawing cash, passengers can also use the machine to order checkbooks and receive account reports. ATM will also be available to passengers in Mumbai-Hyelin Jan Shatabdi Express as it shares the same rake with Panchvati Express, thus enhancing accessibility of this service.
The trial was reportedly running smoothly throughout the journey, and the machine was reportedly running smoothly. However, it does encounter a brief network problem between Igatpuri and Kasara, a region known for its poor tunnels and limited mobile connections. Ity Pandey, Bhusawal’s divisional railway manager, commented on the success of the trial, saying: “The results are good. People will now be able to withdraw cash while traveling. We will continue to monitor the performance of the machine.”
Despite the successful trial, the plan triggered mixed reactions among netizens. Critics questioned the practicality of introducing ATMs, and basic facilities such as toilets are still insufficient on trains. Some have raised concerns about the safety of ATMs given the history of train-related crimes such as robbery and arson. “Hours before someone broke into it?” said one user.
To address security, the ATM is equipped with a shutter system and is monitored 24/7 by CCTV cameras. Railway officials said if the service proves to be popular, it can be extended to other trains across the network.
Despite the skepticism of the concept, it reflects the ongoing efforts of Indian Railways to improve passenger services and diversify its non-underwriting revenue sources.
