Customer Service Point (CSP)

CSP (Customer Service Point) or Bank Mitra is a banking correspondent model where an individual provides basic banking services in their area on behalf of a bank. Services include account opening, deposits, withdrawals, fund transfers, bill payments, AEPS, and Aadhaar Pay.

Any Indian citizen above 18 years with basic educational qualifications and a shop/office premises can apply. Some banks require minimum 10th or 12th pass. A clean background check is also required.

CSP income comes from commissions on transactions: account opening, deposits/withdrawals, bill payments, fund transfers, AEPS, and government scheme transactions. Monthly earnings can range from ₹10,000 to ₹50,000+ depending on location and transaction volume.

Major banks offering CSP include SBI, Bank of Baroda, Punjab National Bank, Canara Bank, Indian Bank, and many other public and private sector banks. We help you choose the best bank based on your location.

Yes, you will need a Micro ATM / POS machine, computer/laptop, and internet connection for CSP operations. Some banks provide subsidized equipment. We guide you on the equipment requirements and procurement.

The complete CSP setup process — from application to activation — typically takes 2-4 weeks depending on the bank's processing time and document verification.

CSP commission varies by bank and transaction type: account opening (₹50-200), cash deposit/withdrawal (0.5-1%), fund transfers (₹5-20), bill payments (1-2%), AEPS transactions (₹5-15), and government scheme transactions (₹10-100). Monthly earnings of ₹10,000-50,000+ are common.

Banks prefer CSPs in unbanked or under-banked rural and semi-urban areas. In urban areas, CSPs are allowed but may face competition from bank branches. We help you identify the best location based on banking density and business potential.

Typically, a CSP is associated with one bank. However, you can operate multiple outlets with different banks. Some CSPs also act as corporate CSPs under certain models. We advise on the best structure based on your business goals.

Yes, we provide post-activation support including transaction training, software setup assistance, troubleshooting, and guidance on managing daily operations. We also help with any documentation required for CSP renewal or limit enhancement.