COVID-19 Lockdown: How to get cash from your bank at your doorstep?
Moneylife Digital Team 14 April 2020
India has been in a nationwide lockdown since March 24th, which has now been extended to May 3rd. Several areas are in complete lockdown and it has become a challenge to even visit the bank or ATM to withdraw cash. Senior citizens are particularly affected. Are there options to get money at your doorstep?
You can now request for cash sitting in the safe confines of your home. Several banks are rolling out a doorstep delivery of cash. This service has come in for senior citizens, especially abled. Several large banks including SBI, HDFC Bank, ICICI, Axis Bank and Kotak Mahindra Bank are now offering this facility to their customers. Here is what each bank is offering.
SBI: India’s top lender provides doorstep-banking services to its customers and cash is delivered under its doorstep delivery services. This facility is currently available for senior citizens, differently-abled people. However, SBI account holders will be able to avail these services at select branches only. Here are the details of SBI's Doorstep Banking (DSB) Services:
1) Doorstep banking service includes cash pickup, cash delivery, cheque pickup, cheque requisition slip pickup, form 15H pickup, delivery of drafts, delivery of term deposit advice, life certificate pickup and KYC documents pickup.
2) The service request can be made at toll free number 1800111103 between 9 am to 4 pm on working days at the centre.
3) The service request for registration is done at the home branch.
4) Doorstep banking service is available to only fully KYC-compliant customers.
5) Service charges per visit for non-financial transactions is Rs60+GST and Rs100+GST for financial transactions
6) The amount of cash withdrawal and cash deposit is restricted to Rs 20,000/-per transaction per day.
7) Account holders with a valid registered mobile number within 5 Km radius of their home branch will be able to avail these services.
8) Customers with accounts that are operated jointly will not be able to avail these services.
9) The service will also be unavailable for minor account and accounts of non- personal nature.
10) Withdrawal will be permitted using cheque / withdrawal form with passbook.
How to avail of SBI’s doorstep banking service:
SBI customers who wish to avail this door-step delivery service should call toll free number 1800111103 between 9 am to 4 pm on working days from their registered mobile number.
Once the call is connected, customer shall input last 4 digit of savings bank/current account number for which doorstep banking service is registered.
After initial verification, the call shall be forwarded to Contact Centre Agent, who after second/additional verification, shall record the request.
The customer shall provide the detail of request and preferred time of service delivery (9 am to 5 pm).
Once the request is accepted, the customer will get an SMS with Case ID and request type.
The request shall be forwarded to Doorstep Banking Agent who will contact the customer and fix an appointment.
At the given time, the Doorstep Banking Agent (DSA) shall visit the registered address of the customer and show his Photo ID card and officially valid document (OVD).
He will also verify the identity of customer through Photo ID and OVD of the customer.
The service request shall be initiated in the Doorstep Banking web portal in the mobile carried by the DSB Agent. Customer shall input Case ID and Verification Code in the web portal to initiate the transaction.
The customer will receive SMS for the completion of transaction. 
More details can be found at
The official SBI account has shared tweets about their doorstep cash delivery:
How is the service working? Several customers were happy with this doorstep cash delivery service. Many of them tweeted their thank you.
HDFC bank: Offers cash delivery and pick-up and cheque pick-up services through its doorstep banking. The bank carries multiple verifications and identification to ensure security. Customers too need to check the photo ID proof of pick-up person before transacting. These transactions are also protected by comprehensive insurance. Customers need to get in touch with their local HDFC bank branch for more details.
Make sure you read the terms and conditions and all the small print before availing of any bank’s doorstep banking services.
Similarly you can check out doorstep banking offered by Axis Bank on their website at
Mobile ATMs: HDFC bank has announced that the bank is deploying Mobile Automated Teller Machines (ATMs) to assist customers during the lockdown. These mobile ATM facilities are to operate between 1000 to 1700 hours. The mobile ATM will cover three to five stops in a day. The bank said “HDFC Bank’s mobile van carrying the ATM has been successfully piloted in Mumbai, Noida, Allahabad and Coimbatore, with plans to extend the service to the rest of the country shortly”.
The locations for deployment are being identified in consultation with local municipal authorities in respective cities. 
Several other banks like SBI, Axis, ICICI, Canara Bank, Bank of Baroda and PNB have started deploying Mobile ATMs in order to service their customers conveniently. The customer even gets messages on their cell phone to alert them that a mobile ATM is in their area/ locality and the route that the Mobile ATM plans to take. 
These mobile ATMs offer all the services that are available at normal ATMs. Apart from cash withdrawals, other services which can be availed by customers are transfer of funds to registered payees, change of PIN, recharge of pre-paid mobiles, fixed deposits, cardless cash withdrawals. ICICI has deployed mobile ATMs in NCR, Noida, Chennai and some districts of UP. 
In the rural areas, where banking services are limited, the role of banks and its correspondents has been key to enable access of funds for the poor. “Bank mitras” or business correspondents are playing a crucial role in the financial inclusion and are mediators between banks and customers. Banking correspondents have played a crucial role in the rural areas for smooth disbursal of funds during this current lockdown.
Meanwhile the RBI has also reiterated that doorstep banking has to be provided to senior citizens and differently abled people. The details have to be adequately promoted (w.r.t branches providing these services, etc) through brochures etc.
Ramesh Popat
2 years ago
Good if implemented well.
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