---
type: "solution pack"
title: "Rural Financial Services Pack"
description: "Last-mile financial access for Tier 3+ India. AePS cashout + DBT cashout + basic KYC bundle. Works with Aadhaar only — no smartphone needed."
slug: "rural-financial-services-pack"
category: "agent-banking"
canonical: "https://eps.eko.in/solutions/rural-financial-services-pack"
---


> **Canonical URL:** https://eps.eko.in/solutions/rural-financial-services-pack
> This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above.

# Rural Financial Services Pack

A lighter financial services bundle for rural-focused platforms — AePS cashout, basic KYC, and instant transfers for last-mile financial access.

_Last-mile financial access for Tier 3+ markets_

To get started, fill the form at https://eps.eko.in/signup (with your name, mobile number and email) or call us at +919513181707

## APIs in this pack

- [AePS Cashout](https://eps.eko.in/products/aeps-api) ([markdown](https://eps.eko.in/products/aeps-api.md))
- [Bank Account Verification](https://eps.eko.in/products/bank-verification-api) ([markdown](https://eps.eko.in/products/bank-verification-api.md))
- [DigiLocker Integration](https://eps.eko.in/products/digilocker-api) ([markdown](https://eps.eko.in/products/digilocker-api.md))
- [Bill Payment (BBPS / Bharat Connect)](https://eps.eko.in/products/bbps-api) ([markdown](https://eps.eko.in/products/bbps-api.md))

## Trust Signals

- Serves Tier 3 & beyond
- Works with 2G connectivity
- NPCI & RBI compliant

## What This Pack Does

Bring cash withdrawal, instant money transfer, and basic KYC to rural India — using only Aadhaar and a biometric device, with no smartphone required for the end user.

## Included APIs

### [AePS Cashout](https://eps.eko.in/products/aeps-api)
**What it does:** Aadhaar-authenticated biometric cash withdrawal at any agent point.

**Why it matters:** The primary financial service for rural Indians — withdraw government subsidies (DBT), wages, and loan disbursals without a bank branch.

### [Bank Account Verification](https://eps.eko.in/products/bank-verification-api)
**What it does:** Validate Jan Dhan or any rural bank account via penny drop.

**Why it matters:** Confirms PM-JDY account is active before routing DBT or salary transfers.

### [DigiLocker Integration](https://eps.eko.in/products/digilocker-api)
**What it does:** Pull Aadhaar, driving licence, and ITR documents paperlessly via DIPP integration.

**Why it matters:** Eliminates document upload friction — borrower consents once and all docs are fetched automatically.

### [Bill Payment (BBPS / Bharat Connect)](https://eps.eko.in/products/bbps-api)
**What it does:** Let rural customers pay electricity, gas, DTH, and insurance bills at the agent point.

**Why it matters:** Adds recurring footfall — bills are paid monthly, bringing customers back to the agent regularly.

## How It Works

1. Rural customer visits local agent (kirana / CSP)
2. Agent identifies service: DBT withdrawal / money transfer
3. AePS — Aadhaar + fingerprint → instant cash or transfer
4. Customer receives SMS receipt
5. Agent earns commission

## Industries Using This Pack

- [Agriculture](https://eps.eko.in/industries/agriculture) ([markdown](https://eps.eko.in/industries/agriculture.md))
- [Kirana & Retail](https://eps.eko.in/industries/kirana-retail) ([markdown](https://eps.eko.in/industries/kirana-retail.md))
- [Microfinance](https://eps.eko.in/industries/microfinance) ([markdown](https://eps.eko.in/industries/microfinance.md))
- [Agent Networks (CSP/BC)](https://eps.eko.in/industries/agent-networks-csp) ([markdown](https://eps.eko.in/industries/agent-networks-csp.md))

## FAQs

### Works in areas without smartphones?
Yes. AePS only requires the customer's Aadhaar number and fingerprint. The agent handles all the technology — the customer needs nothing.

### Which government schemes use Aadhaar-linked accounts?
PM-KISAN, MGNREGA, PM Ujjwala, Pradhan Mantri Awas Yojana, and State DBT programs — all route funds to Aadhaar-linked accounts that can be accessed via AePS.

## Related Solutions

- [Assisted Banking Agent Pack](https://eps.eko.in/solutions/assisted-banking-agent-pack) — Full agent banking bundle with BBPS + wallet ([markdown](https://eps.eko.in/solutions/assisted-banking-agent-pack.md))
- [DBT Cashout Pack](https://eps.eko.in/solutions/dbt-cashout-pack) — Optimized for government benefit distribution ([markdown](https://eps.eko.in/solutions/dbt-cashout-pack.md))

- [Site index](https://eps.eko.in/index.md): Full list of API products, industries, and solution packs