New Delhi, Dec 29: As India marks another year of rapid digital and financial transformation, FindiBANKIT Year-End Inclusion Index 2025 highlights the platform’s expanding impact across Bharat’s grassroots economy. With deeper penetration in semi-urban and rural regions, FindiBANKIT continues to drive last-mile access to essential financial services enabling millions who rely on assisted digital channels.

A Year of Record Financial Activity

FindiBANKIT recorded strong performance across all major product categories through January–December 2025. AePS/ mATM services remained the backbone of the platform, contributing the largest share of annual transaction value and volume. Combined digital payment transactions crossed the ₹1-lakh-crore mark, reflecting high usage by merchants and micro-entrepreneurs for routine financial flows.

AePS witnessed remarkable adoption, with users increasingly relying on biometric-based cash in/cash out services reaffirming its role as a lifeline in rural districts with limited bank branches and ATMs. Unnati Centers also saw strong traction, capturing domestic money transfers among migrant populations. Micro ATM and Bharat Bill Pay (BBPS) categories contributed significantly to daily household needs, including bill payments and cash withdrawals.

Bharat’s Shift Toward Assisted Digital Finance

A year-on-year comparison underscores how Bharat embraced assisted fintech more deeply in 2025. AePS usage rose sharply compared to 2024, with both transaction value and transaction count showing double-digit expansion. Money transfer services remained resilient despite broader economic volatility, indicating that consumers continue to depend on trusted, assisted channels for transferring funds quickly.

BBPS and insurance services recorded notable jumps as consumers increasingly consolidated everyday financial interactions such as recharges, bill payments, and small-ticket insurance through FindiBANKIT-enabled outlets. Micro ATM usage remained exceptionally strong in cash-dependent geographies, reaffirming the continued need for reliable cash access points.

Telangana, Uttar Pradesh, Gujarat Lead Financial Inclusion

Telangana, Uttar Pradesh, Gujarat, Andhra Pradesh and Maharashtra emerged as the strongest contributors to India’s financial inclusion momentum in 2025. Uttar Pradesh drove one of the highest transaction counts nationwide, reflecting heavy consumer traffic across migrant districts and rural belts.

Bihar also stood out with high transaction activity across its Tier 3 and Tier 4 markets. Delhi, Tamil Nadu and Rajasthan remained consistent performers, demonstrating strong uptake of both high-value services and everyday payments.

New High-Growth States Emerge

2025 saw a fresh wave of adoption from the North-East. Assam, Tripura, Mizoram and Arunachal Pradesh recorded significant jumps in both transaction value and usage compared to previous periods. Meghalaya, Himachal Pradesh and Goa also emerged as new pockets of growth, showing first-time acceleration in FindiBANKIT adoption. This trend highlights expanding financial participation beyond traditionally strong states, pushing inclusion deeper into remote and underserved regions.

2.76 Lakh Active Agents Power Last-Mile Access

FindiBANKIT’s agent network one of the largest in India closed the year with over 2.76 lakh active agents. While men continue to dominate the network, female participation has begun to rise, particularly in Tier 3 and Tier 4 towns where women entrepreneurs increasingly operate local financial touchpoints. 

Physical Infrastructure Continues to Expand

The year also saw steady progress in physical infrastructure. The BC MAXX programme expanded to 38 operational centres, with additional units planned. During the year, FindiBANKIT also launched Unnati Centres — more than 100 Unnati are currently live and providing ATM services, genuine customer experience to extend access to basic banking and financial services in Tier 3 and Tier 4 locations. These centres act as community-level digital banking hubs where customers can not only withdraw and deposit cash but also access Aadhaar-enabled banking (AePS), pay utility bills, recharge mobile phones, access digital loans and insurance, book IRCTC travel tickets, and open bank accounts, bringing a wide spectrum of financial services under one roof. Unnati Centres complement the existing network and support service delivery in regions where cash usage remains high.

FindiBANKIT enters 2026 with a wider network and a continued focus on improving access to financial services across geographies and varying levels of digital familiarity.