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The Bank of Baroda Customer Service Point (CSP) program is an initiative under the Digital India and Financial Inclusion mission, enabling citizens—especially in rural and semi-urban areas—to access banking services through authorized agents. This model empowers entrepreneurs while extending the bank’s footprint in underbanked regions.
A Bank of Baroda CSP (Customer Service Point) is a mini bank outlet operated by a third-party business correspondent (BC). It allows customers to perform basic banking services without needing to visit a full-fledged bank branch.
| Criteria | Requirements |
|---|---|
| Age | Minimum 18 years |
| Education | Minimum 10th pass |
| Computer Knowledge | Basic knowledge required |
| Infrastructure | Shop/space with electricity and internet |
| Identity Proof | Aadhaar, PAN Card, Voter ID |
| Residence Proof | Ration card, electricity bill, rent agreement, etc. |
| Police Verification | Mandatory |
Option 1: Through CSP Providers There are official CSP providers authorized by the bank such as: Digital India CSP CSP Bank Mitra Kiosk Bank AISECT, VyamTech, PayNearby Option 2: Direct Application Visit your nearest Bank of Baroda branch Submit an application for CSP registration Attach KYC documents and infrastructure details Wait for verification and biometric setup
CSPs perform a wide range of basic banking functions to serve customers, particularly in rural India. Banking Services Account opening (Savings/PMJDY) Cash deposit and withdrawal Balance inquiry Mini statement Fund transfer Aadhaar-enabled payment system (AEPS) DBT (Direct Benefit Transfer) distribution Government Scheme Support PM Jan Dhan Yojana (PMJDY) Atal Pension Yojana (APY) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) PM Suraksha Bima Yojana (PMSBY) PM Kisan Samman Nidhi transfers
CSP operators earn commissions for every transaction, depending on the service offered.
| Service Type | Commission Range (INR) |
|---|---|
| Account Opening | ₹15 – ₹25 per account |
| Cash Withdrawal/Deposit | ₹1.5 to ₹3 per ₹1000 |
| AEPS Transactions | ₹5 to ₹15 per transaction |
| DBT Credit Distribution | ₹1 – ₹3 per transaction |
| Insurance Enrollment (PMJJBY/PMSBY) | ₹30 – ₹50 per customer |
| Bill Payment & Recharge | ₹3 – ₹10 per transaction |
| Loan EMI Collection | ₹10 – ₹25 per EMI |
Monthly Earnings Potential:
On average, a CSP can earn ₹10,000 – ₹30,000/month, depending on transaction volume and location.
Q1. Can I apply online for Bank of Baroda CSP?
Yes, through authorized CSP providers’ websites or direct contact with the nearest branch.
Q2. Is any investment required to start CSP?
Yes, for hardware setup and biometric devices. Approx. ₹25,000 – ₹50,000.
Q3. Is police verification mandatory?
Yes, as per RBI guidelines.
Q4. Can I offer services of other banks as well?
No, unless explicitly allowed. CSP agents are usually exclusive to one bank.
Q5. How long does the CSP approval take?
Typically, 15–30 days after document verification.