Starting a small business does not necessarily mean you need to own a warehouse or a fleet of trucks to deliver goods. In some cases, it is just a small 60-square-foot space and some planning that can bring in a good amount of cash for you. In today’s Indian market, where cash remains the most important asset, the Hitachi ATM franchise has become one of the top business ventures for young entrepreneurs looking to dip their toes into the world of business. With over 65,000 ATMs under management and an unblemished record, Hitachi Payment Services can bring in a good amount of cash for you without having to hire employees or manage inventory levels.
Statistics show that the need for white-label ATMs is on the rise, with thousands of these machines being installed to bridge the gap in the availability of these services for people. Not only are you providing a vital service to your community, but you are also earning a commission on each swipe of the card. These machines help the local community prosper by keeping cash in circulation, rather than forcing people to travel miles to reach the city centre.
Moreover, with the Indian market looking to boom in the near future, the gap in banking services and rural areas is a goldmine waiting to be exploited by savvy businessmen such as yourself. In this article, we will walk you through everything you need to know about the Hitachi ATM Franchise Cost and commissions, as well as the step-by-step application process for 2026.
What Is the Hitachi ATM Franchise?
The franchise for Hitachi ATM is a business model where individuals or shop owners partner with Hitachi Payment Services to host a “Money Spot” ATM. These are known as White Label ATMs, which are machines owned and operated by non-banking companies instead of specific banks. This setup allows customers from any bank to withdraw cash or check their balances easily. Moreover, Hitachi handles the heavy lifting, including the technology and maintenance, while you provide the space. This partnership makes sure that even the most remote locations get access to modern banking facilities without high overheads.
Key Offerings
- Money Spot Branding: Use of the well-recognised Hitachi brand to attract customers and build instant trust with the local public.
- High Uptime: A 99.9% uptime record ensures the machine is always ready for business, reducing customer frustration and complaints.
- Advanced Tech: Access to high-speed machines and Cash Recycler (CRM) options that allow both cash deposits and withdrawals in one go.
- Bank Compatibility: Acceptance of all major Indian bank cards for seamless transactions, ensuring no customer is turned away.
- Support System: Full technical and regulatory support from the Hitachi team, including regular software updates and hardware maintenance.
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Advantages of the Hitachi ATM Franchise
If you are looking for a hands-off business, this is a fantastic route to take. Here are the main reasons why people are flocking to this model:
Low Effort, High Reward
You don’t need to be behind the counter the whole day, or hire people to run the ATM business. The ATM works on its own, 24/7, and you need to ensure that the area is clean and maintained. This gives you ample free time to get on with your actual job or relax.
Massive Brand Trust
Hitachi is a giant brand, and their “Money Spot” brand of ATMs is highly trusted in India. This ensures more foot traffic, as people feel more secure using an ATM from such a reputable brand name. A brand name works as a magnet to attract more customers, especially those who might be nervous about using an unknown ATM in the area.
Additional Shop Footfall
If you are already in the business of running a shop, then this will increase your actual business sales as well. People using the ATM will be more likely to enter your shop to buy something on their way out, which can increase your sales by a significant amount each month.
Recession-Resistant Income
The cash machine business is recession-proof, as people need cash for their day-to-day expenses, especially in Tier 3, 4, 5, and 6 cities. This ensures that you earn a stable income, regardless of the market conditions or the economy.
Rapid Return on Investment
The high transactional volume ensures that you earn a return on investment of 33% in just the first year alone. In just five years, this can increase to 53%, which is much higher than most savings schemes. It is one of the few investments that can give you such a high return on investment with such a high degree of certainty.
Hitachi ATM Franchise Cost in India 2026
The cost of starting up may vary depending on the location and its readiness. The breakdown below indicates what you can expect to pay to get your business up and running.
| Cost Component | Estimated Range |
| Franchise Security Deposit | ₹2 Lakh – ₹5 Lakh (Refundable) |
| Site Infrastructure Setup | ₹1 Lakh – ₹2 Lakh (Civil/Carpentry) |
| Branding & Licensing | ₹50,000 – ₹1 Lakh |
| Initial Cash Loading | ₹1 Lakh – ₹5 Lakh (Working Capital) |
| Total Estimated Investment | ₹4.5 Lakh – ₹8 Lakh |
Hitachi ATM Franchise Commission Chart (Earnings per Transaction)
The beauty of this business is that you earn every time someone uses the ATM. Whether they are withdrawing cash or just looking to check the balance, the pennies will add up very fast.
Typical Commission Structure
The commission is paid in cash and non-cash forms. The structure of this business model is such that it ensures you earn from the very first day and every day thereafter, as indicated by the following points:
- Cash Withdrawals: You earn anywhere from ₹8 to ₹15 per successful transaction, which forms the bulk of your earnings.
- Balance Inquiry: You earn even if no cash is withdrawn, which ensures you get paid for providing information services.
- Mini Statements: The non-cash hits earn you approximately ₹2 per transaction, which is very popular in rural areas.
- PIN Changes: The utility transactions help you earn even if cash is not withdrawn, which ensures you get paid even on days when cash withdrawals are low.
- Fund Transfers: This may provide you with a slightly higher margin and increase the overall usability of your ATM location.
Hitachi ATM Franchise Monthly Income & Profit Margin
Your monthly income will depend entirely on the number of people using your ATM location. If you have placed your ATM near a market or bus stand, then this business is a real goldmine for you.
Estimated Monthly Income
If your ATM location is being used for 3,000 to 5,000 transactions per month, then your income will be as follows:
- Daily Transactions: Aiming for 100+ transactions per day is the sweet spot for maximizing your return on investment.
- Monthly Earnings: You can expect to earn between ₹25,000 and ₹50,000, which is easily enough to pay for your rent and other household expenses.
- Operational Costs: After deducting electricity and internet charges, you will be left with a very healthy margin, and this business is extremely easy to run.
- Profit Growth: Your income will increase as more people in your area use your ATM and become loyal customers.
- Performance Bonus: Some ATMs offer additional bonuses for keeping your location active and operating at full capacity throughout the month.
Hitachi ATM Franchise Contact
If you are finally ready to take the plunge and join this amazing business, reach out to them directly to move your journey forward.
- Email: wla-franchisee@hitachi-payments.com
- Corporate Phone: +91 22 3954 1800
- Address: #401, 4th Floor, Silver Metropolis, Jai Coach Compound, Goregaon (E), Mumbai – 400 063.
How to Apply Online | How to Get an ATM Franchise in 2026 (General Guide)
Establishing your own business is an exciting venture, and the application process has been designed to be as smooth as possible. If you have a space and the motivation to succeed, you can get it ready for business in no time by following the steps provided.
1. Site Selection and Initial Research
The first step is to locate an ideal site of about 60–80 sq. ft. in an area with high traffic, such as near a busy market, hospital, or even at a bus stand. The site must have a permanent concrete roof and excellent visibility from the main road to attract more people to your Hitachi ATM business. Moreover, selecting an ideal site with fewer competitors will enable you to have more daily transactions right from the start.
2. Submit Your Official Interest
After finalizing your site, you must contact the company by sending an email or filling out the application form on the official website of the company. You must include your contact information, the address of the property, and some photographs of the site where you wish to set up your hitachi atm business. This is an important step that marks the beginning of your potential hitachi atm business.
3. Field Verification and Site Inspection
After your application, you will be visited by a technical team that will conduct an extensive site inspection and feasibility study. They will check for factors such as safety, structural strength, and high foot traffic, depending on the density of the local population. This is an important step to ensure that your location is profitable for you and that all your security requirements are met.
4. Document Submission and Verification
After your location is verified, you will be asked to provide some crucial documents such as your Aadhaar card, PAN card, and bank statements. You may also be asked to provide your property documents or your rental agreement, depending on whether you own or rent your location. This is an important step to help you transition into your contract faster and bring you closer to signing your contract.
5. Signing the Agreement and Deposit
At this stage, you will be asked to sign your contract, which is for a period of 9 years. This contract clearly outlines your and the company’s responsibilities. You may also be asked to pay your refundable deposit, which ensures that you and the company enter into this contract and initiate the dispatch of your hardware. This contract ensures that you enjoy all the benefits and rights to do business under this renowned name.
6. Site Preparation and Civil Work
Before the actual installation of the machine, you have to prepare the civil work, such as flooring, painting, and installation of necessary electrical wiring. It is important to follow the interior design and brand guidelines provided by the company to ensure a uniform look across all ATMs. Moreover, ensuring proper electrical connection and ventilation will prevent any technical issues once the ATM starts operating.
7. Installation, Training, and Go-Live
The last step is to have the company’s engineers install the high-speed ATM machine, VSAT antenna, and other necessary surveillance systems. Here, you will be provided with hands-off training on how to handle the basics of the operation of the ATM. After the installation of the initial cash, your Hitachi ATM franchise is now up and running to earn!
Which ATM Franchise Is Most Profitable? (Hitachi vs Others)
| Feature | Hitachi ATM Franchise | Other WLA Competitors |
| Brand Recognition | Very High (Global) | Moderate to High |
| Technology | Cash Recyclers available | Mostly basic ATMs |
| Uptime | 99.90% | 95% – 98% |
| Support | Full tech & cash support | Often partial support |
| ROI Potential | High (33% – 53%) | Average (20% – 30%) |
Final Verdict: Although other competitors like India1 or Tata Indicash are equally good, the Hitachi ATM Franchise stands apart from the rest because of its better technology and higher reliability. If you are looking for a ‘set it and forget it’ style of business with the best tech support in India, then Hitachi is the clear winner for 2026. With the ability to operate the cash recycler machines, you are at a higher edge than the rest of the competitors.
Conclusion
Starting your own Hitachi ATM franchise is one of the most viable options to earn your own secondary income without worrying about its administration. It fills an important gap in India’s financial infrastructure, especially for areas where large bank branches are far away. Moreover, since you will be investing little and joining hands with one of the world’s largest brands, you are at no risk at all, especially when you compare this to opening your own retail store or restaurant.
You will be leveraging their brand, ATMs, and expertise to provide top-notch service to your customers. This means you will not only be an entrepreneur, but also part of one of the world’s most massive technology infrastructures. However, your success will depend on your location; hence, choose wisely, and your ATM will do all the work for you. If you have some free space and some capital to spare, this might be one of the best decisions you make this year. It is simple, easy, and provides you with something that everyone actually needs.
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FAQs
1. Is the Security Deposit for the Hitachi ATM Franchise Refundable?
Yes, the Security Deposit for the Hitachi ATM Franchise is refundable after the contract period or at the time of termination of the contract, according to the agreement.
2. How much space do I need for the ATM?
You will need a small room or a shop area of about 60-80 square feet with an unobstructed view from the road. This is a very small area, which makes it extremely easy to install the machine in existing shops or corner plots without having to undergo a massive renovation.
3. Does Hitachi provide the cash for the ATM?
This is true depending on the kind of business model you choose. You or Hitachi’s partner network will be responsible for providing the cash in the machine. In most cases, the owner is responsible for providing the cash so they can earn the maximum commission from every swipe.
4. Can I install an ATM in my existing shop?
Yes, it is possible. This is called the “shop-in-shop model,” which is a great opportunity to use the additional space to increase foot traffic in your shop. This is a great idea to increase foot traffic in a part of your shop where there would be little to no traffic.
5. What is the lock-in period of the Franchise Business?
The lock-in period of the Franchise Business is one year. Leaving the Franchise Business before the completion of the lock-in period may attract a penalty of about 1 Lakh rupees. This is done so that the site has enough time to mature and become profitable for both the partner and the company.
6. Do I need a GST number to apply?
While it is not mandatory for individuals, it is highly recommended to have a GST number to handle tax payments. This will make the entire tax side of the Hitachi atm franchise very transparent.
