India’s First Onboard ATM on Mumbai–Manmad Train by Central Railways

In a first-of-its-kind initiative, Central Railway has introduced an onboard ATM on the Mumbai–Manmad Panchavati Express, taking a major step toward improving passenger convenience and redefining long-distance train travel in India. Installed in an air-conditioned coach, the ATM is part of a pilot project designed to test both usability and safety in real-world rail conditions.

Traditionally, passengers have relied on station stops for cash withdrawals. But with this move, Indian Railways is aiming to close that gap, offering mid-journey access to cash—something that could prove essential in emergencies or when traveling through areas with poor digital connectivity.

According to Union Railway Minister Ashwini Vaishnaw, if this trial is successful, similar ATMs could be rolled out across more routes nationwide. The project aligns with broader modernization efforts under the Ministry of Railways.

Key Features of the Onboard ATM:

• Strategic Coach Placement: Installed in a climate-controlled AC coach, ensuring a secure and stable environment for both passengers and machinery.

• Safety First: Equipped with custom safety modifications to handle the dynamic nature of train movement.

• Passenger-Centric: Aimed at enhancing the travel experience, especially for those who rely on cash during long journeys.

Why This Move Matters:

1. Improved Accessibility
   The onboard ATM offers an added layer of support, especially for passengers without access to mobile banking or digital wallets.

2. Tech Integration in Transit
   As part of Indian Railways’ modernization push, this step shows a clear intention to merge financial infrastructure with public transportation.

3. Scalability Potential
   Should the pilot prove viable, it could open doors to other tech-forward services like digital kiosks, mobile charging points, or Wi-Fi zones on trains.

4. Government Support
   Platforms like the Press Information Bureau (PIB) have increasingly highlighted the push for such innovations, reinforcing the government’s focus on smart mobility.

This innovation was first reported by LiveMint, showcasing the growing public and media interest in the evolution of rail services.

Final Thoughts

The Train ATM is more than just a convenience—it's a signal that Indian Railways is moving toward a future where trains aren’t just about getting from point A to point B, but also about comfort, accessibility, and technology. As this trial unfolds, it represents a bold experiment in bringing financial services closer to people, even while they’re in transit.