HomeCirculars › RBI/2013-14/637

Accessibility mandates for UCB branches and ATMs

No longer current — withdrawn, no replacement on file yet
Source: Reserve Bank of India · RBI/2013-14/637 · issued 11 Jun 2014 · ~2 min read
Quick answerRBI directs Primary Urban Co-operative Banks to install ramps at branch entrances, make all new ATMs from July 1, 2014 talking ATMs with Braille keypads, and provide magnifying glasses for low-vision customers. Progress must be reported to the Board.

What changed

RBI reinforced earlier 2009 accessibility guidelines for UCBs. New mandates require ramps at branch entrances (with dispensation only if impracticable), all new ATMs from July 1, 2014 to be talking ATMs with Braille keypads, and magnifying glasses at all branches. Banks must also display notices about these facilities.

What it means for you

UCBs must now prioritize physical and digital accessibility for persons with disabilities. Non-compliance with the earlier 2009 circular on talking ATMs is being addressed with a stricter deadline. Banks need to allocate budget for retrofitting branches and ATMs, and ensure board-level oversight of progress.

Historical instruction — do not use for current compliance. This is what was required at the time; it no longer reflects current RBI requirements. If no replacement rule is linked above, that only means none is recorded on our register yet — it does not prove no later applicable rule exists. Confirm on the official RBI source below.

What banks were required to do at the time

Who it affects

All Primary (Urban) Co-operative Banks, Branch operations teams, ATM deployment and maintenance teams, Board of Directors and Customer Service Committees

❓ Common questions

Regulatory timeline

Built from our lineage records — each fact carries its provenance; missing history simply is not shown (never guessed).

What if it's not possible to install a ramp at a branch?

If installing a ramp is impracticable, the requirement may be dispensed with, but the reasons must be recorded and displayed at the branch or ATM concerned.

Are existing ATMs required to be converted to talking ATMs?

Yes, banks must lay down a road map for converting existing ATMs to talking ATMs with Braille keypads, as advised in the 2009 circular, and the board should review progress periodically.

What other facilities must be provided for persons with disabilities?

Magnifying glasses must be available at all branches for low-vision customers, and a notice about their availability and other disability facilities should be displayed prominently.

📜 This document’s life story (1 recorded event, each backed by RBI’s own words)
Repealed by RBI/2025-26/100 — Consolidation of Regulations — Withdrawal of circulars (28 Nov 2025)
RBI’s words: “Official withdrawal register entry #913: UBD.BPD.Cir.No.70/13.03.000/2013-14 — "Need for bank branches / ATMs to be made Accessible to persons with Disabilities" dated June 11, 2014”
📜 Read the original circular — full text as issued by RBI
RBI/2013-14/637 UBD.BPD.Cir.No. 70/13.03.000/2013-14 June 11, 2014 The Chief Executive Officer All Primary (Urban) Co-operative Banks Dear Sir / Madam Need for bank branches/ATMs to be made Accessible to persons with disabilities Please refer to our circular UBD.CO.BPD.(PCB) Cir. No.63/9.39.000/2008-09 dated April 29, 2009 on the captioned subject, wherein banks were advised to provide, inter alia, ramps in all existing and future ATMs, and make at least one third of new ATMs installed as talking ATMs with Braille keypads. It was also advised to ensure that at least one talking ATM with Braille keypad is generally available in each locality for catering to the needs of visually impaired persons. 2. UCBs are now advised to take appropriate steps to provide ramps at the entrance of the bank branches so that persons with disabilities / wheel chair users can enter bank branches and conduct business without difficulty. Banks are advised to report the progress made in this regard periodically to their Board of Directors/Customer Service Committee of the Board and ensure compliance. However, in cases where it is impracticable to provide such ramp facilities, whether permanently fixed to earth or otherwise, the requirement may be dispensed with, for reasons recorded or displayed in branches or ATMs concerned. 3. It is observed that some banks have not yet made at least one third of the new ATMs installed as talking ATMs with Braille keypads as advised vide our circular referred to above. It is, therefore, advised that banks should make all new ATMs installed from July 1, 2014 as talking ATMs with Braille keypads and lay down a road map for converting existing ATMs as talking ATMs with Braille keypads as advised in our circular dated April 24, 2009 ibid and the same may be reviewed from time to time by the Board of Directors/Customer Service Committee of the Board. 4. In addition to the above, magnifying glasses should also be provided in all bank branches for the use of persons with low vision, wherever they require, for carrying out banking transactions with ease. Branches should display at a prominent place notice about the availability of magnifying glasses and other facilities available for persons with disabilities. Yours faithfully, (P.K.Arora) General Manager
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2013-14/637 · issued 11 Jun 2014. The plain-English explanation above is BankPulse’s own independent summary.
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Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=8936&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by our expert reviewer, CA Amit Jain. Independent platform, not affiliated with the Reserve Bank of India; is our own plain-English paraphrase, not RBI’s original wording.
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