A Bank Mitra is an agent or representative appointed by banks to facilitate banking and financial services, especially in unbanked or remote areas where there are no bank branches or ATMs. Their role is to promote financial inclusion by providing basic banking services such as account opening, cash deposits and withdrawals, fund transfers, and helping customers with document verification and identity checks. They act as a bridge between the formal banking system and the unbanked population, helping people access government benefits and encouraging financial literacy. Bank Mitras are often retired employees, teachers, government officials, or ex-servicemen who help extend banking services to underserved rural or remote communities. They also facilitate digital transactions through Aadhaar Enabled Payment System (AEPS) and promote cashless payments. This initiative helps increase bank account penetration, reduces financial fraud, and supports direct benefit transfers in India
. In summary, a Bank Mitra is a crucial link in expanding banking outreach to the last mile, empowering people in remote areas with access to formal financial services and contributing to the goal of financial inclusion
