ATM SERVICES

ATM offer the following benefits

First five transactions per month free* for all savings bank account holders. This includes all transactions both financial and non-financial
Cash withdrawal in this ATM is limited to a maximum of Rs.10,000 per cash transaction. You can undertake multiple transactions to withdraw more cash
Use debit cards issued by any of the banks in India. Cards issued by banks outside India are not accepted
Enjoy services like cash withdrawal, balance enquiry, mini statement and pin change on any savings or current account debit card
Intuitive user interface with multilingual messaging for ease of usage for consumers in different regions
Privacy screen filters, key pad shields, electronic surveillance for completely secure transactions
Convenient presence across Tier 1 to Tier 6 locations pan-India
Experience complete Trust, Reliability, Security and Customer service

MINI ATM
MICRO ATM

Mini ATM

Smart Pay Mini ATM Service

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Micro ATM

Micro-ATM, in partnership with RBL Bank Ltd.

Smart Pay micro-ATM, in partnership with RBL Bank Ltd. and Kotak Mahindra Bank facilitate customers to perform basic banking transactions on his/her Aadhaar-linked bank account using Aadhaar authentication as the identifier.

The basic banking transactions are outlined below:

Balance Inquiry
Cash withdrawal

RECHARGE & BILL / PAYMENT

One stop solution for all your recharges and bill payments

Smart Pay is offering bill payment services to customers at their doorstep through our network of agents. Now pay all your bills conveniently from one place. With our Bill Payments Service, save time â€“ avoid waiting in long queues and travelling long distances to pay bills, pay all your bills in one place and next-door. Smart Pay We make your life SIMPLE.

Pay all your bills in one place

With Smart Pay make Phone and DTH recharges in seconds. Over 30,800 million bills amounting to more than Rs. 6000 billion are generated each year in the top 20 cities in India. Bharat Bill Payment System (BBPS) is an RBI mandated system which offers integrated and interoperable bill payment services to customers across geographies with certainty, reliability and safety of transactions. BBPS is a RBI mandated system which offers integrated and interoperable bill payment services to customers across geographies with certainty, reliability and safety of transactions.

Smart Pay Agents can subscribe to provide BBPS to the customers. Once an interested merchant registers as a Smart Pay Agent, they will be eligible to provide financial services. Anyone can walk up to a Smart Pay Agent to pay utility bills. The payment to the Smart Pay Agent can then be made via cash, card or even through AePS. Every transaction is absolutely secure and safe.

Smart Pay as a Bharat Bill Payment Operating Unit (BBPOU) offers bill payment services to customers through its network of agents O2O (offline to online) for Electricity, Gas, Water, Mobile and DTH bills.

Mobile / DTH Recharges

Mobile Recharge is a single platform where transaction can be done through a single SIM for multiple operators and allows the retailer to do an instant mobile and DTH recharge through a simple web interface.

Key Features

DTH recharge: For all major DTH Service providers in India such as, Tata Sky, DISH TV, Videocon, Sun TV and Reliance Big TV.
Single SIM and Wallet: Allows recharge for any operator through a single SIM and wallet interface. We provide all operator recharges, available across all circles in India.
Recharge any amount: Allows recharge starting as minimal as Rs. 10/- to any desired amount.
Instant confirmation and Fund Transfer: Instant confirmation on MT and Fund transfer via SMS.
Mobile App recharge: Allows recharge anytime/anywhere.

Digital Payments

Providing digital payment solutions

Smart Pay provides digital payment solutions to the underserved section of the society through its strong Agent Network using Semi-closed Wallet â€“ Smart Pay enabling Direct Money Transfer (DMT).

It is an assisted retailer model that allows cash transfer from retail locations and instant fund transfer to bank accounts across India. The service is available 24X7.

Electricity

WATER

MONEY TRANSFER

Now, Smart Pay retailers can provide their customers with money transfer facility anytime of the day. For customers, transfering money to any account in the country is easier than ever before. Now customers don't need to visit a bank branch, stand in long queues and fill cumbersome forms to transfer money to their loved ones â€“ they just need to visit their local Smart Pay retail outlet!

With Smart Pay Domestic Money Transfer service, retailers can help customers to instantly transfer their money to any bank account in the country, anywhere and anytime, even on bank holidays. The sender does not need a bank account to transfer the money from, and just need to pay a minimal transaction fee to the retailers. The service is available 24X7.

AEPS SERVICES

Aadhaar Banking is AEPS (Aadhaar Enabled Payment System) powered digital banking service that enables retailers to provide basic banking functions such as cash withdrawal, balance inquiry, and domestic money remittances to their customers and earn money as commission. All that any retailer needs to do is to signup as a SMART PAY retailer and start providing these services.

It is a win-win situation for both â€“ the local retailers and the customers. Instead of searching for ATMs or standing at long queues at bank branches, customers can walk up to any SMART PAY retail store and conduct banking transactions with their Aadhaar number and fingerprint authentication. At the local store, customers can withdraw cash, or instantly transfer money to any bank account in India with ease and convenience.

INSURANCE / TRAVEL SERVICES

Gamut of travel services under one roof

Smart Pay provides opportunity to book railway/flight/bus tickets and low cost hotels under one roof.

In today's fast paced world no one has the time to stand in colossal queues for booking tickets. Our travel services fulfill the travel needs of millions of travelers looking for reasonable, reliable, close to home and comprehensive travel solutions.

We offer an all-inclusive travel experience, so look no further and enjoy a gamut of services at one place.

Flight Tickets

We provide Domestic and International Flights ticketing solutions with all available combinations and airlines. The service provides the best routing options with an easy to book interface. There is also a presence of dedicated customer care only for airlines related queries and enquiries. This is a complete Travel Management Solution on Single Interface. The agent can instantly book and confirm the tickets and earn attractive margins and commissions.

Bus Booking

There are times when there is an unavailability of train tickets. In those instances, our bus ticketing solutions are the best alternative for our customers. To provide this service, we have a tie up with around 700 tour and travel operators. We provide an interface through which we enable search and booking of tickets online. The agent can instantly book and confirm tickets by using this interface and earn attractive margins on every ticket booked.

Hotel Booking

We have a huge database of hotels across cities and the length and breadth of India. We cater to every budget and star category and are available for instant booking and confirmation on a single interface. The USP of this service is that we guaranteed room availability at highly discounted prices which are a great value to our customers.

The agent can earn instant commissions on every room booked.

Insurance

TAXATION

Income Tax Return Form

Types of Income Tax Return Forms : - To file tax returns Income Tax Department had issued a series of forms applicable to different type of assesses:

ITR 1 : For Individuals having Income from Salaries, one house property, other sources (interest etc.) and having total income up to Rs.50 lakh.

ITR 2 : This form is applicable For Individual & HUFs not carrying out business or profession under any proprietorship.

ITR 3 : This form is applicable For Individuals & HUFs having income from a proprietary business or profession.

ITR 4 : This form is applicable For presumptive income from Business & Profession.

ITR 5 : This form is applicable for a For persons other than â€“ (i) individual,(ii)HUF, (iii) company, and (iv)person filling ITR-7

ITR 6 : This form is applicable For Companies other than companies claiming exemption under section 11

ITR 7 : This form is applicable For persons including companies required to furnish return under section 139(A) or section (1394B) or section 139(4C) or section 139(4D) or section 139(4E)

ITR

GST

What is GST?

Goods & Services Tax Law in India is a comprehensive, multi-stage, destination-based tax that will be levied on every value addition. In simple words, GST is an indirect tax levied on the supply of goods and services. GST Law has replaced many indirect tax laws that previously existed in India.

Under the GST regime, tax will be levied at every point of sale. Now let us try to understand â€œGST is a comprehensive, multi-stage, destination-based tax that will be levied on every value addition.

Multi-stage

There are multiple change-of-hands an item goes through along its supply chain : from manufacture to final sale to consumer.

Let us consider the following case:

Purchase of raw materials

Production or manufacture

Warehousing of finished goods

Sale of the product to the retailer

Sale to the end consumer

Advantages Of GST

Removing cascading tax effect.

Higher threshold for registration.

Composition scheme for small business.

Online simpler procedure under GST.

Lesser compliances.

Defined treatment for e-commerce.

Increased efficiency in logistics.

Regulation the unorganized sector.

What are CGST, SGST and IGST?

India is a federal democracy that is one which has clear demarcation of powers, responsibility and revenue collection between the states and the centre in its constitution. For example law and order falls under the state's jurisdiction while the nation's defence is the centre's responsibility. The GST too needs to have clear provisions on what areas the centre and the state are allowed to collect revenue from taxation to prevent an overlapping.

The Central GST or CGST is the areas where the centre has the powers and State GST where the State has taxation capabilities. The IGST or Integrated GST is for movement of goods within the states of the Indian union. This will be collected by the union however will be transferred over to the states. Thus it is essential that if and when the GST comes out it is rolled over in the entire nation simultaneously.

Pancard

What is Pancard ?

Permanent Account Number (PAN) is a ten-digit alpha numeric number, issued in the form of a laminated card, by the Income Tax Department, to any "person" who Applies for it or to whom the department allots the number without an application. PAN enables the department to link all transactions of the "person" with the Department. These transactions include tax payments, TDS/TCS credits, returns of Income/wealth/gift/FBT, specified transactions, correspondence, and so on.

PAN, thus, acts as an identifier for the "person" with the tax department. PAN was introduced to facilitates linking of various documents, including payment of taxes, assessment, tax demand, tax arrears etc. relating to an assesses, to facilitate easy retrieval of information and to facilitate matching of information relating to investment, raising of loans and other business activities of taxpayers collected through various sources, both internal as well as external, for detecting and combating tax evasion and widening of tax base.

Smartpayind.com is an online portal providing information about Pan Card and assistance to Individuals in applying for the same. The services rendered include verifying, supporting and filing the application forms for those who are applying for new PAN card, corrections and changes to their existing PAN data and request for duplicate or replacement of lost or damaged PAN card.

Today having a PAN card has become mandatory for most people irrespective of whether they have taxable income or not. In this light some of the retired IT (Income Tax) professionals, who are customers in our other line of business, suggested to come up with a much more simplified online solution for applying PAN card by people from various walks of life in urban, sub urban and Rural areas of India. We took up the challenge and came up with www.smartpayind.com that will provide a great user experience through the process of applying for their PAN card.

BANKING SERVICES

The Bank's initiative of the KIOSK Banking allows customers to undertake different banking transactions without the need for visiting a Bank Branch. Kiosk Banking is basically a service offered by several banks, wherein the people do not have to actually visit the branch in order to do a variety of transactions. This is so because the customer can easily open an account in the bank and operate from any of the nearest Kiosk Banking outlet itself in a hassle-free manner. It is primarily introduced by the Govt. of India as an important concept for boosting financial inclusion, particularly in the rural areas where the customer outreach is not that good and also, the people are uneducated requiring one-on-one assistance.

Customers may open bank accounts and do all types of bank related transactions at an Banking outlet. These outlets are able to offer end to end functionalities with the process of account opening or any online transaction and there are banks who also offers online kiosk banking at ease. There are a number of advantages of having kiosk online, but these are mainly for the more educated lot to access all services at just a click. Also, the operations through these outlets are absolutely safe and reliable as they are bio-metrically secured and also, a printed acknowledgement for every transaction is given to the respective customer.

The varied banking activities that one can avail through the Kiosk financial services bouquet include the following:

Account Opening

Cash Withdrawal

Cash Deposit

Money Transfer

How Kiosk Banking Works?

Any retailer is free to open a no-frills account in a bank for any customer by recording the fingerprint details and capturing a customer's photograph. All the details along with the other documents are then forwarded to the affiliated bank branches to conduct the further know-your-customer process. When the account is up and running, the customer is enabled to either withdraw, deposit or remit an amount of maximum Rs 20,000 each day via the internet-enabled kiosk branch.

Primary Benefits of Kiosk Banking (Kiosk Banking Online)

Benefits to CSPs (Customer Service Point)

Brand Equity of the banks (SBI's and Bank of Baroda's)
Opportunity for self-employment at ease at the doorstep itself
Increased Visibility overall
High number of Walk in customers
Good incentives in accordance with the performance
Significant remuneration figures resulting in financial freedom eventually