Banking teams across India are rolling out a wave of new machines, focusing on smart cash recyclers that promise faster service and lower costs.
In the next six months, banks have asked for bids to install about 17,350 ATMs. More than three‑quarters of these (around 13,100) will be cash recyclers – machines that can take in deposits, dispense cash and automatically reuse the cash inside.
These machines reduce the need for frequent cash refills, cut operating costs, and keep the machines up and running longer. After a major service provider collapsed in 2025, banks are choosing more reliable vendors and smarter technology.
India’s total ATMs and cash recyclers slightly fell to about 207,000 by the end of November, down from 215,000 a year earlier. The dip reflects a shift toward newer, more efficient machines rather than a retreat from cash services.
Industry experts expect more outsourcing and RFP activity in 2026 as banks continue replacing older machines and expanding the recycler network.
Remember, this is perspective, not a prediction. Do your own research and consider your personal situation before making any investment decisions.
Download the TradeKaizen app to practice F&O trading with real-time market data anytime, anywhere.
Get it on Google PlayConnect with fellow traders, share strategies, and improve your trading skills in our Telegram group.
Join TelegramIndia's stock market bounced back on Monday, breaking a five‑day losing streak as optimism grew around upcoming trade talks between New Delhi and Washington. Market Overview The BSE Sensex climbed 301.93 points to finish at 83,878.17, while the NSE Nifty 50 added 106.95 points, closing at 25,790.25. The rally came after the incoming U.S. ambassador to India said trade discussions would start on Jan. 13, giving investors a confidence boost. Sector Highlights Metals: Strong buying in metal stocks helped lift the commodities segment. Banking and Consumer: Value‑focused investors moved into these stocks, expecting better third‑quarter earnings and steadier demand. Precious Metals: Gold continued to rise amid ongoing geopolitical tensions. Technical Snapshot Technical analyst Rupak De noted that the Nifty formed a "piercing line" pattern, hinting at a possible bullish reversal after recent selling pressure. On the hourly chart, the RSI moved out of the oversold zone, showing early signs of recovery. However, the index still faces resistance around the 26,000–26,100 range, with key support near 25,650. Most Traded Stocks In terms of value, the most active shares were Hindustan Copper, BSE, HDFC Bank, ICICI Bank, IFCI, Reliance Industries and Vodafone Idea. By volume, Vodafone Idea led the pack, followed by IFCI, YES Bank, Ola Electric Mobility, Suzlon Energy, Indian Energy Exchange and Hindustan Copper. Buyers and Sellers Stocks that attracted notable buying interest included IFCI, Force Motors, Hindustan Copper, BSE, Premier Energies, Power Finance Corp and Hindustan Zinc. Meanwhile, stocks such as Tejas Networks, City Union Bank, GE Vernova T&D India, Signature Global, Reliance Infrastructure, Maharashtra Scooter and Cohance Lifesciences faced selling pressure. Market Sentiment Overall sentiment was still bearish, with more stocks declining than advancing on the BSE. Remember, this is perspective, not prediction. Do your own research before making any investment decisions.
The market reacted sharply when the new U.S. ambassador to India spoke, highlighting how crucial the India‑U.S. trade deal has become for investors. Why the Ambassador’s Words Matter The ambassador hinted that a trade agreement is stalled. This raises concerns about possible higher tariffs and a cooling of diplomatic ties, which could affect companies that rely on U.S. exports. Potential Impact on Stocks Investors worry that a rift could hit sectors such as technology, pharmaceuticals, and consumer goods that have strong U.S. exposure. Higher tariffs: Could raise costs for exporters. Reduced demand: Companies may see slower sales in the U.S. market. Currency moves: Uncertainty can push the rupee lower, affecting importers. What Traders Should Watch Keep an eye on any official updates about the trade deal, statements from the commerce ministries, and movements in related stock indices. A clear signal of progress could boost sentiment, while further delays may keep the market cautious. Remember, this is perspective, not a prediction. Do your own research before making any investment decisions.
Insurance companies are spending more on commissions and running costs, which is eating into the value of the policies you buy. Why commissions are rising Analysts say the cost of selling and managing insurance policies has been growing about 9% a year. Some products, like traditional life policies, pay agents as much as 60‑70% of the first year’s premium as commission. Impact on retail policies For health, motor and savings plans, higher payouts to agents mean higher premiums for customers. Even though the government has removed GST on retail insurance from FY26, the savings from the tax cut are being offset by these rising costs. Health insurance: New customer acquisition costs stay high, while renewal commissions need to be lowered to keep premiums affordable. Motor third‑party insurance: Large commissions have prompted calls for a fixed facilitation fee instead. Non‑linked savings plans: High expenses are making them less attractive compared with other fixed‑income options. Regulatory response The insurance regulator has set an overall expense cap and is now reviewing distribution costs. A special committee has been formed after the industry body and RBI raised concerns about the high outlays. What investors can do Consider policies that have lower commission structures or those that focus on pure protection rather than savings. Compare the total cost of ownership, not just the premium amount. Bottom line Even with tax relief, growing commissions and operating expenses are cutting into the returns you can expect from many insurance products. Keep an eye on regulatory changes and choose policies with transparent cost structures. Remember, this is perspective, not a prediction. Do your own research before making any investment decisions.