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ATM Franchise Profit Margin: How Much Can You Really Make?
Financial Expert3 min read
Detailed analysis of ATM franchise earnings, commission rates per transaction, and ROI calculation for 2025.
The #1 question is: "How much does an ATM owner make?" It depends on transaction volume. Unlike a fixed salary, your income grows with every user.
Revenue Model Explained
Your earnings come from the "Interchange Fee" that banks pay for using your ATM. The operator shares this with you.
- Cash Withdrawal: ₹8 - ₹12 per txn.
- Non-Financial Txn: ₹2 - ₹3 per txn (Balance check, PIN change).
Profit Calculation Scenario
Let's assume a standard location with moderate footfall:
| Metric | Value |
|---|---|
| Daily Transactions | 100 (80 Cash + 20 Non-Cash) |
| Daily Income | ₹860 (Approx) |
| Monthly Gross | ₹25,800 |
| Less: Expenses | - ₹6,000 (Rent + Elec) |
| Net Monthly Profit | ₹19,800 |
With 100 transactions/day, your monthly gross is approx ₹25,000 - ₹30,000. Deducting rent (₹5k) and electricity (₹2k), your net profit is ₹18k - ₹23k/month.