First-Ever ATM Installed on Indian Train Completes Successful Trial Between Nashik and Mumbai

In a groundbreaking move, the Central Railway has launched India’s first ATM installed inside a moving train. The pilot project was conducted aboard the Panchavati Express, which operates between Manmad (Nashik) and Mumbai. This innovation marks a significant step toward improving basic financial services for passengers, especially on long routes with limited halts.

The Concept: Banking on the Go

The ATM facility, developed in collaboration with the Bank of Maharashtra, was introduced as part of the Innovative and Non-Fare Revenue Ideas Scheme (INFRIS). Its primary objective is to offer cash withdrawal services during travel, eliminating the dependency on station stops.

Installed in an air-conditioned coach, the ATM has been placed inside a converted cubicle that earlier served as a pantry area. The space has now been secured with a rolling shutter and is monitored continuously through CCTV to ensure safety and prevent misuse.

Accessibility Beyond Coach Class

Although the ATM has been placed in an AC coach, it is accessible to all passengers thanks to the inter-connected lobby that links all 22 coaches of the Panchavati Express. This ensures that the service is inclusive and not limited to those with AC ticket reservations.

The machine was made available to passengers during the train’s recent trial run, providing them the unique opportunity to withdraw cash mid-journey.

Shared Rake, Extended Reach

Interestingly, the ATM-equipped coach is part of a rake shared with the Mumbai–Hingoli Jan Shatabdi Express. This means the facility is not restricted to a single train route but extends to a broader network, offering even more travellers access to essential banking services while onboard.

Performance During the Trial Run

According to Central Railway officials, the machine functioned efficiently during its test run. The only reported issue was a temporary network outage in the Igatpuri–Kasara stretch, a known challenge due to the area’s tunnels and hilly terrain. Despite this, the ATM’s performance has been deemed largely successful.

Conclusion

While this initiative is still in its pilot phase, its success could pave the way for similar installations on other long-distance trains. If adopted widely, this feature could redefine convenience for passengers on Indian Railways.

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