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  • Major Role & Functions of Bank Mitra

    Feb, 18 2020
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    India is an enormous country that is extended across a vast region where the majority of people reside in villages and small towns. Several people are living in such areas or in towns who do not have convenience and access to financial services. Pradhan Mantri Jan Dhan Yojana brings these financial services to all those ordinary people. This scheme proffers services like deposit and saving Accounts, Pension, Credit, Insurance, etc. accessible to all those people who did not have any access that too at a very reasonable cost. This structure promises a saving account to every Indian in every nook and corner of the country.  
     
    What is Bank Mitra? 
     
    Bank Mitra is the instrument or people who would be and is taking care of the scheme mentioned above, under the act of Pradhan Mantri Jan Dhan Yojana. You can also term them as a Business Correspondent Agent of PMJDY. Authentically, they are the retail agents who are selected by banks and are accountable to provide and advise customers about numerous banking services in the region where reasonable banking solutions are unstained by the common man. 
     
    In India, there are still several villages, which do not have access to a bank branch or ATM. People here have to travel miles before they get access to a branch or any ATM. Bank Mitra CSP (Customer Service Point) is responsible to open Bank Account under the various government schemes and guidelines and assist the people to enjoy banking services such as money transfer, cash withdrawal, cash deposit, etc. 
     
    The Government of India is planning to have at least over five lakhs Bank Mitra CSPs of different banks scattered all over the nation by 2020. This scheme is expected to create over ten lakhs jobs in the nearby future. Thus, become a Bank Mitra today, and start earning right away. 
     
    Eligibility and Qualifications to Become a Bank Mitra
     
    As an alternative of hiring individuals to carry out the job of Bank Mitra, banks have designated the below-mentioned people to perform or works as a Bank Mitra:
     
     Retired Bank Official
     Retired Government Official
     Retired Teachers
     Ex-Servicemen
     Owners of Medical Shop, Fair Price Shops, Ration Shops, Public Call Booths, etc.
     
    Apart from these, some other eligibility and qualifications are:
     
     Minimum Age Should be 18
     Basic Computer Knowledge is Must
     You should be unemployed
     Responsible
     Hardworking
     If applying for CSP, you got to invest some money in the project first
     
    Some Prime Documents Required While Banking Mitra CSP
     
    • Two passport size photos
    • ID Proof (Passport, Pan Card, Driving Licence, Aadhar Card, or Voter ID)
    • Residential Proof (Telephone Bill, Electricity Bill, Voter Id, Ration Card or Aadhar Card)
    • Educational Certificate – 10th or 12th standard Result and certificates xerox copies 
     
    Requirements for Agents to Avail this Service
     
    • 200 sqft Office Space
    • Laptop or Personal Computer
    • Printer
    • Counter
    • Internet Connection
    • Scanner
     
    Primary Roles and Functionalities of Bank Mitra CSP
     
    Bank Mitra CSP are those personnel’s who act as an agent of the particular bank for which he is rewarded with salary, commission, and incentive. Some of the significant roles and functionalities are listed below:
     
     Opening an Account
     Cash Withdrawal
     Cash Deposit
     Suraksha Beema
     Jeevan Jyoti Beema
     Atal Pension Account
     Micro Insurance
     
    Apart, from these services mentioned above and they also provide the people with services such as:
     
    Banking Service – They give the customers branchless bank services.
    Travel Booking Service – Bank Mitra CSP is also authorized by IRCTC for travel booking services throughout India. 
    Recharge Service – They are also provided with android for retailers and purchasers so they can do portable recharge at their ease and handiness.
    Bank Mitra CSP is established to serve those sections of the people who do not have access to the bank and the financial services.  

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