Important Resources

Resources pertaining to Talking ATM can be downloaded from this section. Also download key circulars, reports and guidelines issued regarding extending banking, insurance and investment services to persons with disabilities.

Disclaimer for this resource page: The contents are for information purposes only, to enable persons with vision impairment to have a quick and accessible information on a single web page. Talking ATM India do not warrant the accuracy or completeness of the information.

Accessible ATMs in India - A Retrospective and Prospective View

This policy paper published by XRCVC, St. Xavier's College, Mumbai, in March 2024 titled as 'Accessible ATMs in India - A Retrospective and Prospective View.' This paper advocates for enhancing ATM accessibility for persons with visual impairments making UPI-enabled cardless cash withdrawals accessible for those with print disabilities, especially the visually impaired. It addresses the technical aspects of making these transactions accessible.

Banking on Accessibility - A Case for Accessible Banking for Persons with Disabilities by XRCVC

This report published by XRCVC in June 2022 is a comprehensive document that can be used by regulatory and governance authorities like the Reserve Bank of India, banks, other associated bodies, decision makers and policy experts. It shall aid them in monitoring and evaluation of existing guidelines and the level of their implementation in reality. It articulates banking problems faced by users and makes strong recommendations to improve the scenario. The scope of the report is largely focused on infringement of rights of persons with visual impairment who use or propose to use banking facilities.

XRCVC Financial Access Useful Info and Quick Links

User Manual on Talking ATM published by Union Bank of India

Video Demonstration of Talking ATM

Audio Demonstration of Talking ATM

We are providing below sample audios only for familiarization purpose. There will be very few variations in the operation depend on ATM models and manufacturers. However all are following a standard workflow. Please refer Talking ATM user manual for understanding these differences.

Misconceptions about Talking ATMs

Difference between Talking ATM for blind and partial voice guidance on an ATM for general public (pdf file 30 kb)

Indian Banks Association (IBA) Circulars

Reserve Bank of India (RBI) Circulars

Services for Customers with Disabilities

List of banks with a web page providing information about the services being offered for persons with special needs and Bankers Guide 2017 book, a compilation of all circulars, notifications issued by Government of India, RBI and IBA] for Customers with Special Needs as a reference book for the bankers.

National Housing Bank

Loan facility to visually impaired persons by HFCs 3rd December 2015(pdf file - external web page)