“Jaise sarkaar ne khud kaha hai, digital banking aur financial inclusion hi naye Bharat ki neev hai,” aur isi disha mein Roinet lagatar kaam kar raha hai. Aajkal sirf aadmi hi nahi, balki gaon ki mahilayein bhi ‘BC Sakhi’ ban kar is digital kram ka hissa ban chuki hain. Agar aap bhi apne dukaan ko ek Mini Bank mein badalna chahte hain, toh ye article aapke liye poori guide sabit hoga.
Chaliye ek real-life udaharann dekhte hain: Ramesh, jo UP ke ek chhote se gaon mein mobile recharge ki dukaan chalata tha, uski aamdani kaafi limited thi. Lekin jab se usne Roinet ka CSP point shuru kiya, uski dukaan sach mein gaon walo ke liye ek ‘Chhota Bank’ ban gayi. Ab aaspaas ke log uske paas pension nikalne, paise bhejne aur bijli ka bill bharne aate hain. Aaj Ramesh apne gaon mein logon ki madad toh kar hi raha hai, sath hi mahine ke achhe khase paise bhi kama raha hai.
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ROINET Kya Hai? (Company Details)
ROINET (ROINET Solution Pvt Ltd) ek rural fintech company hai jo 2012 mein establish hui thi. Is company ka main maqsad un-served aur under-banked logon tak zaroori financial aur banking services pahunchana hai. Jaisa ki hum jante hain, rural areas mein har gaon mein bank kholna feasible nahi hota. Isliye, Roinet aam dukandaron aur individuals ko apna partner (CSP Agent) banata hai. Ye partners technology ka istemaal karke (smartphone aur fingerprint scanner ke jariye) customer ka bank account access karte hain aur unhe cash nikalne ya jama karne ki suvidha dete hain.
Company YES Bank, ICICI Bank aur dusre kai nationalized banks ke sath tie-up karke apni services offer karti hai, jisse customers aur retailers dono ka paisa 100% surakshit (secure) rehta hai. Aaj, 2026 ke daur mein, Roinet ek bada network ban chuka hai jisme hazaron agents poore desh mein kaam kar rahe hain.
ROINET Xpresso Portal Aur B2B Services
Roinet ki sabhi services ko access karne ke liye jo dashboard ya software use hota hai, use ROINET Xpresso Portal kaha jata hai. Ye web (computer/laptop) aur Android mobile app dono par uplabdh hai. Xpresso portal ke zariye ek retailer apne customers ko nimnlikhit suvidhayein de sakta hai:
- AePS (Aadhaar Enabled Payment System): Customer ka bank account agar uske Aadhaar card se link hai, toh wo sirf apna fingerprint lagakar aur Aadhaar number batakar apne account se cash nikal (Cash Withdrawal) sakta hai, balance check kar sakta hai, aur mini statement nikal sakta hai.
- Aadhaar Pay: Agar kisi customer ki aam AePS nikalne ki daily limit khatam ho gayi hai, toh Aadhaar Pay service ke zariye retailer thoda extra charge lekar use emergency mein cash nikal kar de sakta hai.
- Micro ATM (mATM): Jin customers ke paas debit/ATM card hai, unka card swipe karke ya chip insert karke cash withdrawal aur balance inquiry ki ja sakti hai. Roinet apne retailers ko compact mATM devices provide karta hai.
- DMT (Domestic Money Transfer): Poore Bharat mein kisi bhi bank account mein instant paise bhejne ke liye DMT ka istemaal hota hai. Ye un majdooro aur logo ke liye varadaan hai jo dusre sheharon se apne ghar walon ko paise bhejte hain.
- BBPS (Bharat Bill Payment System): Electricity bill, water bill, gas booking, loan ki EMI, aur FASTag recharge jaisi sabhi payments Roinet portal par ek hi jagah ho jati hain.
- Account Opening & PAN Card: NSDL aur UTI ke madhyam se naya PAN card banana aur kuch select banks ke zero balance savings account open karne ki suvidha bhi milti hai.
- ROINET Insurance (POSP): Roinet ne haal hi mein apni insurance services bhi badha di hain. Ek agent POSP (Point of Sales Person) ban kar logon ka two-wheeler, four-wheeler, aur health insurance kar sakta hai.
Roinet CSP Banne Ke Main Fayde (Benefits)
- High Commission Slabs: Har transaction par agent ko acha commission milta hai, jo directly unke wallet mein credit hota hai.
- Multiple Bank Servers: Kabhi ek bank ka server down ho, toh portal mein dusre bank (jaise ICICI ya YES Bank) ke server par switch karke transaction kiya ja sakta hai.
- Easy Move to Bank (Settlement): Agent apne wallet mein jama cash ko apne personal bank account mein instantly (IMPS/NEFT) transfer kar sakte hain. June 2026 ke latest update ke anusar ab aap ek sath 10 account add kar sakte hain.
- Secure Platform: 2FA (Two-Factor Authentication) aur live selfie verification ke sath portal ko behad secure banaya gaya hai taaki koi fraud na ho.
ROINET CSP Registration Process (Online & Offline)
Agar aap ROINET ka hissa banna chahte hain aur Retailer ID/CSP lena chahte hain, toh iska process kafi transparent aur aasan rakha gaya hai. Neeche diye gaye step-by-step process ko follow karein:
- Distributor Se Sampark Karein: Roinet ID lene ka sabse aasan tarika hai apne area ke local Roinet Distributor (Super Distributor) se contact karna. Agar aapke paas koi contact nahi hai, toh aap official website (roinetsolution.com) par ja kar ‘Partner With Us’ form bhar sakte hain.
- Documents Provide Karein: Aapko apna Aadhaar Card, PAN Card, ek active mobile number, Email ID aur apni bank passbook/cancelled cheque ki detail deni hoti hai. KYC ke liye dukaan ke andar aur bahar ki photo bhi maangi ja sakti hai.
- Biometric eKYC Verification: Aajkal RBI aur NPCI ke naye niyam (2024-2026 guidelines) ke tehat agent ka physical / biometric verification zaruri hai. Distributor aapke paas aakar ya online video KYC aur fingerprint scanner (Mantra/Morpho) ke zariye aapki eKYC karega.
- ID Approval & Activation: Verification poora hone ke baad, aapka application backend team ke paas jata hai. 24 se 48 ghante ke andar aapki Retailer ID approve ho jati hai.
- Xpresso Portal Login: SMS aur Email par aapko ek User ID aur temporary Password milega. Ise Roinet Xpresso app ya web portal par daal kar pehli baar login karein, naya password set karein aur rozana 2-Factor Authentication (roz subah pehli baar login par apna fingerprint lagana) karke apna business shuru karein.
ROINET Commission Structure 2026
Retailers ke man mein sabse bada sawal hota hai ki “Humein kitna fayda hoga?” Halanki Roinet ke portal par alag-alag plans aur VIP packages hote hain, lekin ek general idea ke hisaab se:
- AePS & Micro ATM Commission: Agar customer ₹3,000 ya usse upar ka cash nikalta hai, toh retailer ko lagbhag ₹8 se ₹12 tak ka maximum commission mil jata hai (official source not confirmed, depends on your opted plan). Chhote amounts par ₹0.50 se shuruwat hoti hai.
- Money Transfer (DMT): Customer se 1% charge liya jata hai, jismein se aadha ya usse kuch hissa retailer ko as a margin bachta hai.
- Bill Payments & Recharges: Mobile aur DTH recharge par 1% se lekar 3% tak ka commission milta hai, jabki utility bills par flat rate (jaise ₹0.50 se ₹2.00 per bill) bachta hai.
Dhyan rahe ki Roinet company apne platform ko maintain karne ke liye kuch minimum conditions rakhti hai. Agar aap mahine bhar portal par koi kaam nahi karte hain, toh company ek chhota ‘Portal Convenience Fee’ charge kar sakti hai, isliye is ID ko tabhi lein jab aap waqayi kaam karna chahte hon.
June 2026 Latest News & Updates: ‘BC Sakhi’ Aur UPI Cash Point
Aaj 21 June 2026 tak, Roinet ne apne network mein kayi bade badlaav kiye hain jo khabron mein charchit hain:
- BC Sakhi Network Expansion: Haal hi mein aayi media reports (jaise Navarashtra ki latest khabar) ke mutabiq, Roinet ka “BC Sakhi” network bahut tezi se bada hai. Aaj ke samay mein 24,000 se zyada mahilayein gaon aur kasbo mein Roinet ki BC Sakhi ban chuki hain. Ye mahilayein smartphone aur Micro-ATM ka istemaal karke logo tak ghar-poch banking sewa pahunchati hain aur isse mahine ke ₹10,000 se ₹50,000 tak ki aamdani kar rahi hain. Ye mahila sashaktikaran ka ek bahut hi shandar udaharan hai.
- UPI Cash Point Service: Roinet apne Xpresso portal par ‘UPI Cash Withdrawal’ jald hi live kar raha hai. Is suvidha se customer kisi bhi UPI app (jaise GPay, PhonePe) se retailer ke QR code par paise bhej kar cash nikalwa sakega. Isse ATM card ya Aadhaar ki zaroorat nahi padegi.
- 10 Settlement Bank Accounts: Pehle ek retailer ‘Move to Bank’ karne ke liye sirf 5 accounts add kar sakta tha. Latest portal update mein ab agent apne khud ke naam ke 10 alag-alag bank accounts add karke funds settle kar sakta hai.
Zaroori Hardware Aur Equipments
Ek successful CSP point chalane ke liye aapko kuch basic devices ki zaroorat padti hai:
- Smartphone ya Computer: Aap apne mobile par ROINET Xpresso app download kar sakte hain, ya desktop par roinet.in web portal khol sakte hain.
- Biometric Device (Fingerprint Scanner): Mantra (jaise MFS100 / L1 device), Morpho ya Startek (FM220U) RD services wale L1 devices aajkal NPCI dwara mandatory hain.
- Micro ATM (Optional): Card se payment lene ke liye Roinet VM30 ya anya compatible device distributor se prapt kiya ja sakta hai.
- Thermal Printer (Optional): Customer ko transaction slip (rasid) dene ke liye bluetooth thermal printer kafi madadgaar hota hai, jisse customer ka bharosa badhta hai.
Frequently Asked Questions (FAQs)
1. Roinet kya hai aur kis kaam aata hai?
Roinet ek rural fintech platform hai. Yeh logo ko AePS (Aadhaar se cash nikalna), money transfer, micro ATM aur utility bill payment jaisi digital banking suvidhayein apni B2B CSP ID ke madhyam se deta hai.
2. Roinet CSP kaise bane?
Roinet CSP banne ke liye aapko company ki official website par enquiry karni hoti hai, ya apne aas-paas ke verified Roinet distributor se sampark karna hota hai. KYC ke baad aapko user ID aur password mil jata hai.
3. Roinet Xpresso portal ka customer care helpline number kya hai?
Aap company ko +91-124-4154700 par call kar sakte hain ya [email protected] par email kar sakte hain. Portal ke andar support ticket generate karne ka option bhi hota hai.
4. Roinet me ‘Move to Bank’ ka kya matlab hai?
Jab aap customer ko cash dete hain, toh wo paisa aapke Roinet virtual wallet mein jama ho jata hai. Us wallet balance ko apne personal bank account mein bhejne ki prakriya ko ‘Move to Bank’ (Settlement) kehte hain.
5. Agar Roinet se transaction fail ho jaye aur customer ka paisa kat jaye toh kya karein?
Agar AePS mein paisa customer ke bank se kat gaya hai aur Roinet wallet mein nahi aaya, toh ghabrane ki zaroorat nahi hai. NPCI ke rules ke mutabiq, yeh paisa 3 se 7 working days ke andar aamtaur par customer ke account mein auto-refund ho jata hai. Aap portal se uski complaint ticket bhi raise kar sakte hain.
6. BC Sakhi yojana kya hai aur ROINET isme kaise madad kar raha hai?
BC Sakhi ek aisi yojna hai jisme mahilayein banking correspondent (BC) ban kar logo ko banking sewayein deti hain. 2026 tak Roinet ne 24,000 se adhik mahilaon ko BC Sakhi banaya hai, jo ₹10,000 se ₹50,000 mahina tak kama kar apni financial independence haasil kar rahi hain.
7. Roinet portal par kaun kaun se fingerprint devices chalenge?
Portal par aam taur par Mantra (MFS100/L1), Morpho aur Startek ke fingerprint scanners aasaani se chalte hain. Dhayan rahe ki device ke liye RD Service ka valid recharge hona anivarya hai.
Nishkarsh (Conclusion): Aaj ke samay mein, jahan har cheez digital ho rahi hai, wahan gaon aur chote shehron ke liye ‘roinet’ jaisi services kisi lifeline se kam nahi hain. Aap bahut kam investment ke sath apna business start kar sakte hain, achha commission kama sakte hain aur sabse badi baat, apne aspaas ke samaj mein asani se banking sewa pahunchakar sammanit mehsoos kar sakte hain. Sahi distributor chune, sabhi rules ko dhyan mein rakhein, aur fraud transactions se bach kar ek imandaar Banking Correspondent (CSP) ban kar ubhrein.