Important Resources

Resources pertaining to Talking ATM can be downloaded from this section. Also download key circulars 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.

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.

Misconception about Talking ATM

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

Banking Codes and Standards Board of India (BCSBI) Code 2018

Code of Banks Commitment to Customers January 2018 (pdf file 405 kb)

Services for Customers with Disabilities

List of banks with 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 GOI, RBI & IBA] for customers with Special Needs as a reference book for the bankers for sensitizing bank staff.

  • Andhra Bank (External web page)
  • Axis Bank (External web page)
  • Bank of Baroda (External web page)
  • Bandhan Bank (External web page)
  • Citibank India (pdf file)
  • Corporation Bank (External web page)
  • HDFC Bank (External web page)
  • ICICI Bank Door Step Banking(Web page)
  • Karnataka Bank (External web page)
  • Kotak Mahindra Bank Ltd.(pdf file)
  • Punjab National Bank (External web page)
  • SBM Bank (pdf file)
  • Syndicate Bank (External web page)
  • UCO Bank (pdf file)
  • United Bank of India (External web page)
  • Yes Bank (External web page)
  • National Housing Bank

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


  • LIC letter to NAB India regard to Insurance cover to Blind persons 14 July 2007(pdf file 359 kb)
  • Insurance Cover to Disabled Persons_Press Release_24 April 2015 (External web page)
  • Guidelines on standardization of exclusions in Health Insurance Contracts 27 September 2019 (pdf file 7.2 mb)
  • Investment

  • BSE Notice: Accessing Securities Market by Visually Challenged Investors_12 May 2015 (External web page)
  • NSDL circular revised procedure - Opening and operation of depository account of blind persons 21 August 2007 (External web page)
  • NSDL circular Opening of an account of a Blind person 21 August 2007 (External web page)