A white-label ATM (WLA) franchise can generate a passive monthly income of ₹25,000 – ₹60,000 once footfall builds. But it's not a get-rich-quick play — the numbers only work if you pick the right location and understand the cost structure. Here's the honest 2026 breakdown for Tamil Nadu.
What Is a White-Label ATM?
A white-label ATM is a cash-dispensing machine operated by a non-bank entity, authorised by the Reserve Bank of India. You supply the location, cash and operations; the sponsor bank and switch handle the network.
Investment Required
| Plan | Investment | Best For |
|---|---|---|
| Withdrawal-only KIOSK | ₹3,99,999 | Village / small town |
| Cash Deposit Machine (CDM) | ₹5,50,000 | High-footfall urban location |
What the Investment Covers
ATM machine, installation, UPS, AMC for the first year, sponsor bank onboarding, cassette, one-time site branding and training.
Monthly Earnings Math
Commission is paid per successful transaction — typically ₹8-₹12 for financial transactions and ₹2-₹5 for non-financial (balance check, mini statement). An ATM doing 150 transactions per day at an average ₹10 commission earns roughly ₹45,000/month gross.
Running Costs to Deduct
- Rent (₹3,000 – ₹8,000 depending on location)
- Electricity + UPS backup (₹2,000 – ₹3,000)
- Cash-loading service or your own effort
- AMC after year 1 (~₹1,500/month)
How to Pick a Winning Location
Bus stands, near colleges, mandis, near hospitals, growing residential colonies without an existing ATM within 500m. Avoid locations with 3+ bank ATMs in a 200m radius.
Step-by-Step Process
- Enquire via our ATM Franchise page
- Site inspection by YoursPay team
- Agreement + investment
- Machine installation (2-3 weeks)
- Sponsor bank onboarding & go-live
- Cash loading & operations begin
Frequently Asked Questions
Do I need to be present at the ATM daily?
No. The machine runs on its own. You only need to arrange periodic cash loading — daily for busy sites, weekly for quieter ones.
Can I run multiple ATMs?
Absolutely. Many YoursPay franchisees operate 3-5 machines across a district and manage them from a single dashboard.
Is white-label ATM safe?
Yes — WLAs are strictly regulated by the RBI. Machines carry insurance and are monitored 24×7 by the sponsor bank's switch.
Talk to a YoursPay advisor — visit our Hasthampatti head office in Salem or call +91 98945 76238. First consultation is always free.