AEPS Transaction Limit and Charges in 2025 – A Complete Guide

AEPS (Aadhaar Enabled Payment System) is a digital banking service that allows users to perform basic banking activities like cash withdrawal, balance enquiry, and fund transfers using their Aadhaar number and biometric verification. This system is especially beneficial for people living in rural or semi-urban areas where banking infrastructure is limited.

In 2025, AEPS has become even more widely used. While the services are easy to use, many users and retailers are still unaware of the current transaction limits and charges. This blog will explain the latest AEPS transaction limits and charges for 2025 and how DotMik is providing a reliable platform for AEPS services.

For cash withdrawals, AEPS allows a per transaction limit of ₹10,000. Most banks also impose a daily limit of ₹50,000. Aadhaar-to-Aadhaar fund transfers are typically limited to ₹5,000 per transaction. However, there is no set limit for balance enquiries and mini statements.



AEPS services are generally free for end customers. However, they serve as a good income source for retailers and distributors. Retailers usually earn ₹5 to ₹15 per cash withdrawal, while distributors earn ₹1 to ₹3 per transaction. Even balance enquiries and mini statements can earn retailers ₹0.25 to ₹0.50 per use.

If you're a shop owner or local entrepreneur looking to start AEPS services, you’ll need a trusted fintech provider. DotMik is one of the most reliable and fast-growing fintech companies in India, offering AEPS, BBPS, DMT, and other digital banking services to its partners. DotMik is known for quick onboarding, real-time settlements, high commission margins, and 24/7 technical support.

In 2025, AEPS is not just a service—it's a smart business opportunity. If you want to earn extra income while providing digital banking access to your local community, partnering with DotMik can be a game-changer.

Setting up AEPS with DotMik is simple. Submit your basic KYC documents and bank details, and your account can be activated quickly. Whether you're in a small village or a growing town, DotMik ensures you have access to a secure and powerful AEPS platform to grow your business.

DotMik stands out by offering user-friendly dashboards, fast transaction speeds, and dedicated support. So, whether you're a new retailer or an experienced digital entrepreneur, DotMik can help you scale with confidence.


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