Cash on Wheels: Indian Railways Introduces India’s First Train ATM on Panchvati Express – All You Need to Know

In a groundbreaking move to enhance passenger convenience and explore innovative revenue streams, Indian Railways has introduced an Automated Teller Machine (ATM) onboard a moving train for the first time ever. The pilot project has been rolled out on the 12110 Manmad-CSMT Panchvati Express in Maharashtra, offering travelers a unique banking facility while en route.

A video showcasing this novel feature was shared by Minister Ashwini Vaishnaw on his official X account, drawing attention to the pioneering step towards smarter rail services.

' ATM On Wheels ': A New Age Initiative

Launched under the Railway Board’s broader vision to increase non-fare revenue, the “ATM On Wheels” initiative reflects the Indian Railways’ intent to blend innovation with service enhancement. The concept was tabled during a high-level vendor meeting held on March 25, 2025. Subsequently, the trial ATM installation was successfully conducted on April 10, 2025, onboard the Panchvati Express.

Utilizing the train’s mini pantry area, the mechanical team ingeniously converted the space to securely house the ATM. “The ATM was properly secured for its maiden journey with rubber pads and bolts for vibration isolation. Two fire extinguishers have also been provided in the allotted space,” Indian Railways stated.

Driving India’s Progress Towards 2047 Vision

This initiative is part of a broader transformation underway within Indian Railways, which plays a pivotal role in achieving the ambitious " Viksit Bharat 2047 " mission. The national transporter is not just laying tracks - it's laying the groundwork for a smarter, faster, and greener India.

From station redevelopment to rapid electrification, Indian Railways is stepping into a future powered by innovation:

• 1,337 stations are being revamped under the Amrit Bharat Station Scheme.
• 6,450 km of track was completely renewed in 2024, along with 8,550 turnout renewals.
• Train speeds have been upgraded to 130 kmph across 2,000 km of routes.
• Electrification touched 3,210 Rkm, extending coverage of the broad gauge network to a massive 97%, while green energy capacity hit 2,014 MW.

Next-Gen Fleet and Safety Push

2024 also saw the launch of a record 136 Vande Bharat trains and the debut of the first Namo Bharat Rapid Rail, enhancing high-speed rail connectivity across key corridors. During peak travel seasons, over 21,500 special trains were deployed to manage growing demand.

To prioritize safety, 10,000 locomotives are being upgraded with Kavach technology, while 9,000 railway technicians have already undergone specialized training. Additionally, tenders have been floated for 15,000 Rkm to further scale up safety infrastructure.

With the successful trial of the ATM on the Panchvati Express, Indian Railways is not just redefining travel but also expanding its role as a service innovator and national growth engine.