Hitachi ATM Franchise Cost in India 2026 – Full Guide, Profit & How to Apply
Do you seek a small business with low investment and a stable monthly income? One of the opportunities that have a high likelihood of working out in 2026 is the Hitachi ATM franchise. In India there are more than 250,000 ATMs. Nevertheless, cash is not easily available to millions of people in small towns and villages. This weakness presents a massive business opportunity for entrepreneurs.
Hitachi Payment Services happens to be one of the few non-banking firms that have been formally authorized by the Reserve Bank of India (RBI) to operate White Label ATMs (WLAs) in India. They have ATMs under the name “Hitachi Money Spot.”
At the present moment, Hitachi operates more than 10,000+ White Label ATMs and 27,500+ CRM in the country. Their ATMs are more than 75 percent in semi-urban and rural locations. This is an indication of the size of demand in small-town India.
The total Hitachi ATM Franchise Cost in India will be between 2 lakh to 7 lakh in India. You will have a chance to earn 8 INR when a cash transaction is made and 2 INR when a non-cash transaction is made. A machine which is situated in a busy place can perform between 3,000 and 5,000 transactions per month.
That is between 15,000 and 45,000 per month – in a single ATM. And the best part? All the technical work is done by Hitachi. You just provide the space. This article will tell you all you need to know, including the amount of capital required as an investment, the amount that you can make and how to do it.
What Is Hitachi ATM Franchise?
Hitachi ATM franchise is the business model in which you allow space on a Hitachi Money Spot ATM. You in turn receive a commission on each transaction done on that ATM.
These are the ATMs which are referred to as White Label ATMs (WLAs). This implies that they do not belong to a particular bank. Rather, they are operated by a private company in this instance, Hitachi Payment Services. These ATMs will allow customers of any bank to withdraw money, check the balance, or transfer money.
Hitachi Payment Services Pvt. Ltd. is a company established in 2005. It is a complete subsidiary company of Hitachi Limited, a multi-national Japanese company. In the year 2013, RBI awarded Hitachi to operate WLAs in India. They have since successfully expanded into being among the largest ATM network operators in the country.
Why Start a Hitachi ATM Franchise
One has numerous reasons to invest in a franchise of Hitachi ATM. Here are the main benefits:
1. Low Investment, High Returns:
You do not need to spend lakhs on purchasing the ATM machine. Hitachi installs it for free. The biggest investment that you make is a refundable security deposit and the basic site preparation.
2. Passive income
That remains constant as long as the ATM is set up, you will make a commission on each transaction. There is no need to run the ATM. It operates 24/7, 7 days in a week.
3. Multiple Revenue Streams:
You receive money when you withdraw cash and when you get money back as well as money not in cash such as balances and fund transfers. This will allow you to make money off the same ATM twice.
4. Hitachi Deals with Everything Technical
Their professional staff takes care of the maintenance of machines, cash management, software upgrade, and twenty-four-hour monitoring. You do not have to know technicalities.
5. Increase Footfall to Your Shop
In case you already have a shop, installing an ATM in your shop would attract more shoppers to your shop. The higher the number of people who visit your shop = the higher number of sales.
6. Long-term Business with constant income
An average franchisee agreement with Hitachi is 9 years. This is equivalent to a 10 year stable revenue at one ATM location.
7. Social Impact
You are not only doing business. You are assisting rural and semi-urban population to access banking services. This is one of the Indian Financial Inclusion missions.
Hitachi ATM Franchise Cost in India | 2026 Update
It is one of the most significant sections. India: We will deconstruct the cost of Hitachi ATM franchise in India.
The overall cost will be 2-7 lakh. The price will vary depending on where you are, the area where you will install the new equipment, and whether you will need additional electrical work or renovation.
Here is a detailed breakdown of each cost component:
| Cost Component | Estimated Range |
| Security Deposit (Refundable) | ₹1,00,000 – ₹3,00,000 |
| Site Preparation / Renovation | ₹20,000 – ₹80,000 |
| Electrical Setup & UPS / Battery | ₹15,000 – ₹50,000 |
| Internet/Connectivity Setup | ₹5,000 – ₹15,000 |
| ATM Machine Installation | Free (done by Hitachi) |
| Initial Cash Loading in ATM | ₹1,50,000 – ₹2,00,000 (Hitachi funds this) |
| Signage & Branding | Free (provided by Hitachi) |
| Miscellaneous Costs | ₹10,000 – ₹30,000 |
| Total Estimated Investment | ₹2,00,000 – ₹7,00,000 |
Important points to note:
Security deposit is refundable at the time you leave the franchise. Hitachi offers the ATM machine free to you. They even finance the money in the ATM – you do not have to make arrangements about that. Hitachi will install the machine in 21 days after we get your approval without any concealed costs.
Never use agents or representatives other than those with the official Hitachi site. Do not pay anybody who says it is an unofficial agent. Hitachi will not ask you to purchase the ATM machine by yourself.
Hitachi ATM Franchise Commission Chart (Earnings Per Transaction)
This is where business comes in. You will make a commission each time somebody uses your ATM. We can take a look at the entire commission structure.
Standard Commission Structure
Cash Withdrawal Commission:
Your commission will be based on how many transactions you will have every month at your ATM. The slab-based earning involves the following:
| Monthly Transactions | Commission Per Cash Withdrawal |
| 1 – 1,500 transactions | ₹4 per transaction |
| 1,501 and above | ₹11 per transaction |
So which means that the more foot traffic your ATM receives, the higher rate you can charge per withdrawal. An ATM with heavy traffic can clear a thousand and five hundred transactions in a short time, activating the upper ₹11 rate.
There are also partner programs that charge a fixed rate of ₹8 per cash transaction. Depending on what you agree with and where you are, the concrete slab might be different.
Non Cash Transaction Commission:
Not all the customers visit to withdraw money. Others simply balance their accounts or mini-statements. You earn for those too.
| Transaction Type | Commission Earned |
| Balance Inquiry | ₹1 – ₹2 per transaction |
| Mini Statement | ₹1 – ₹2 per transaction |
| Fund Transfer | ₹2 per transaction |
The importance of non-cash transactions may be minimal. However, with thousands of users per month on your ATM, even ₹1 or 2 per transaction can be tallied very fast.
Other incentives: The bonus commissions are also available with Hitachi on the high uptime performance. In case your ATM is operational and open longer hours in the month, you can earn additional money when the commission does not include extra earnings.
Hitachi ATM Franchise Monthly Income & Profit Margin
Now let’s talk numbers. How much can you realistically earn from one Hitachi ATM franchise?
Estimated Monthly Income
| Scenario | Monthly Transactions | Monthly Income (Approx.) |
| Low Footfall Area | 1,500 transactions | ₹6,000 – ₹8,000 |
| Medium Footfall Area | 3,000 transactions | ₹15,000 – ₹25,000 |
| High Footfall Area | 5,000+ transactions | ₹35,000 – ₹50,000 |
These figures include both cash and non-cash transaction commissions.
Profit Margin
Electricity and internet charges will be the principal costs after installation. They are usually between ₹1500 and ₹3000 a month. All the other maintenance and machine service, cash replacement, etc. is also maintained, at no charge to yourself, by Hitachi.
| Monthly Income | Monthly Expenses | Net Profit |
| ₹15,000 | ₹2,000 | ₹13,000 |
| ₹25,000 | ₹2,500 | ₹22,500 |
| ₹45,000 | ₹3,000 | ₹42,000 |
According to the data provided by the company itself, the Return on Investment (ROI) of Hitachi is expected to be 33% in the first year and rise to 53% in the fifth year as the volumes of transactions grow. This is what makes it one of the superior passive income concepts that the small business owners in India can use currently.
The break-even period of a medium-traffic location is an average of 12 to 18 months. Then there is practically nothing left but profit.
Hitachi ATM Franchise Contacts
To get in touch with Hitachi Payment Services in person, the official contact information is as follows:
- Email Address of the Official Franchise Inquiry: wla-franchisee@hitachi-payments.com
- Technical Support (Existing franchisee): wlasupport@hitachi-payments.com
- General Inquiry Email:
- info@hitachi-payments.com
- Head Office -Mumbai: godrej Two, 9 th floor, 904, Pirojshanagar, Eastern Express Highway, Vikhroli (E), Mumbai -400 079 , +91 22 6930 1800.
- South India Office – Chennai: Level -3: Silicon Towers, 23/1-B, Velachery Tambaram Main Road, Pallikaranai, Chennai -600 100 7600-100 44 6156.
- Contactless Franchise Website: www.hitachimoneyspotatm.com.
The trick is that you should always call Hitachi using the above details. One should also not handle third-party agents who offer assured incomes or require prior payments not stated in the official contract.
How to Apply Online| How to get an ATM Franchise (General Guide)
It is an easy process of acquiring a franchise of the Hitachi ATM. And the following is all you must do:
Step 1: Preliminary Check of the Eligibility Requirements.
You have to meet the basic requirements before you apply. You are supposed to be an Indian citizen with a legitimate identity document. You require a business spot in a high-traffic location. Space requirement should be 50-60 sq. ft. in case of a standalone ATM. The space within one of your existing shops should be at least 5 ft. x 5 ft. as a shop-in-shop.
Step 2: Make a visit to the Operating Website.
Visit the website and press the button located on the home page, which is the Become a Franchisee.
Step 3: Fill in the Application form.
You will be required to complete your personal information, contact information, and property details. Add the address, locality, landmarks in the vicinity and size of the area. Be as precise as you can be – this will enable Hitachi to analyze your site within a short period of time.
Step 4: Visit and Evaluation of the site.
One of the members of the Hitachi team will call you after you fill out the form. They will be making site visits to inspect the site, traffic, security and connection. The assessment is comprehensive but simple.
Step 5: Signing of the agreement and approval.
In case of approval, Hitachi will present you with a franchise agreement. Check carefully before the signing. The contract addresses the commission rates, duties and the amount of the refundable deposit.
Step 6: Pay Security Deposit
This is after both parties sign the contract, you are required to pay a security deposit as stated in the contract. This is refundable on termination of the franchise.
Step 7: ATM Installation
The installation of the ATM by the technical team of Hitachi takes 21 days. They are in charge of it all, the machine, wiring, network, branding and surveillance. All you have to do is to supply the space with power and internet.
Step 8: Start Earning!
Your income begins as soon as the ATM is in operation. All the transactions are made digital, and your commission is deposited to your account periodically.
Documents You Will Need:
- Aadhaar Card and PAN Card
- Test evidence of an ATM site.
- Evidence of ownership of property or rental contract.
- Recent statement of bank account.
- Passport-size photographs
What ATM Franchise is the most profitable? (Hitachi vs Others)
In India, there are several companies that provide ATM franchises. And to be able to make an informed decision, let us compare Hitachi with its major competitors.
| Feature | Hitachi Money Spot | Tata Indicash | India1 ATM |
| RBI Approval | Yes | Yes | Yes |
| ATM Network Size | 10,000+ WLAs | 15,000+ WLAs | 7,000+ WLAs |
| Franchise Cost | ₹2L – ₹7L | ₹3L – ₹8L | ₹2L – ₹6L |
| Cash Withdrawal Commission | ₹4 – ₹11 per txn | ₹4 – ₹10 per txn | ₹4 – ₹8 per txn |
| Monthly Earning Potential | ₹15K – ₹45K | ₹12K – ₹40K | ₹10K – ₹35K |
| ATM Machine Cost | Free (Hitachi provides) | Free | Free |
| Franchise Duration | 9 Years | 5–7 Years | 5 Years |
| UPI/Cardless ATM | Yes (new feature) | Limited | No |
| 24/7 Support | Yes | Yes | Yes |
Why Hitachi Stands Out:
There is a great opportunity available to Hitachi owing to its new UPI ATM technology. A cardless ATM is a game-changer in a country where the UPI usage is in the air (currently, over 15 billion UPI transactions are processed in a single month 2024 in India). There are not many people with debit cards, however, everyone has UPI on their phone.
Hitachi also gives a longer franchise of 9 years. This gives it greater income security than its competitors. Their intense concentration in Tier 3-6 cities implies a low amount of competition and high utilisation of ATMs in these regions.
The Hitachi ATM franchise is among the least risky and the most lucrative opportunities in 2026 to most small business owners, or those who own shops, in India.
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Conclusion
In India, the cost of the Hitachi ATM franchise is between 2 lakh to 7 lakh. On that investment, you receive a complete ATM, fully set-up RBI approved, and you will receive a passive income every single day. You get 4-11 rupees to each cash withdrawal and 1-2 rupees to each non cash transaction. In a high-foot-traffic location, you can easily get 25,000 to 45,000 per month out of a well-placed ATM and it requires very minimal effort on your side.
Hitachi manages the machineries, maintenance, cash loading and 24/7 support. It is only up to you to offer the space and the bare essentials. This renders the Hitachi Money spot ATM franchise, one of the least complicated small businesses to operate in India today.
This is the right time to invest with the increase of ATM use in rural India, the push towards financial inclusion in India, and new technology of UPI ATM offered by Hitachi. The need to get access to easy cash will only rise within the next few years.
When you have a good location and desire to have a consistent source of additional revenue, then the Hitachi ATM franchise is certainly worth considering.
FAQs
How much do you invest in an ATM franchise of Hitachi in India?
It has a low start-up cost of approximately 2lakh. This is principally the refundable security deposit and the fundamental site preparation. The ATM machine itself is free of charge and installed by Hitachi.
How much money can I make off one Hitachi ATM every month?
The medium-traffic ATM can bring you 15000 to 25000 dollars each month. Monthly revenue may increase to 45,000 in a high-footfall location. The profits are based on the daily transactions.
Is the Hitachi ATM franchise safe and legal?
Yes, completely. Hitachi Payment Services has an official license to operate White Label ATMs in India issued by RBI. The franchise is completely legal and controlled.
What is the process of applying to a franchise of Hitachi ATM?
Go to the web site www.hitachimoneyspotatm.com and make sure that you scroll down to Become a Franchisee. Complete the online form using your information.
