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Launch Your Own SQTM – India’s Smart mini-ATM Opportunity

Looking to start a high-earning, low-maintenance business? SQTM offers a compact ATM system with fast ROI and full control. Perfect for shop owners, rural entrepreneurs, and financial service providers. Fill in your details to explore this opportunity!

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SQTM Machine

About SQTM

Smart mini-ATM – Financial Freedom for All

SQTM by Divine Karye is India’s first Smart mini-ATM initiative. Bring modern banking to your locality, earn on every transaction, and build recurring income—all with a one-time setup.

₹8 on every withdrawal, ₹12.90 on every deposit
₹27,000 on direct sale, ₹9,000 on team sale
Get started with a single investment of ₹2,12,400

Ideal for shop owners, kiosk runners, and rural entrepreneurs. Serve the unbanked and grow your business with every swipe.

+91 94092 92299

Features

India’s First Smart mini-ATM

Compact in size, powerful in performance—your all-in-one banking solution is here.

High Earning Potential

Earn ₹8 per withdrawal and ₹12.90 per deposit. Potential to earn ₹1,02,870+ per month based on transaction volume.

Low Investment, Fast Break-Even

Start with ₹2,12,400 and recover your investment in as little as 2.1 months with consistent usage.

Compact & Easy Installation

Requires only 10–15 sq. ft. of space—perfect for shops or kiosks. No extra power backup needed.

100% Control & Cash Management

You own and manage your ATM, refill cash as needed, and maintain full control over your income.

Hassle-Free Operations & Support

Get 24/7 customer support, remote monitoring, and software updates to ensure smooth performance.

Driving Financial Inclusion

Help rural and semi-urban communities access essential banking services like deposits and withdrawals.

Ready to start your ATM business journey?

Let’s get started

Process

DK SQTM Setup Steps

Fill form & pay ₹590

Customer fills form, uploads documents and pays ₹590.

Receive welcome mail

Welcome mail confirms ₹590 payment and KYC timeline.

Get CIBIL report

After 7–8 days, CIBIL report mail sent with full payment request.

Receive agreement

Customer gets agreement within 2 days of full payment.

Open a/c + NPCI approval

Open current account & get NPCI approval for BC conversion (15–20 days).

Machine installation

SQTM machine installed at the customer’s location.

SQTM Setup Complete

Question & Answer

Most common questions about our services

We empower individuals with smart banking opportunities through compact, low-risk SQTM machines designed for fast returns and financial inclusion.

What is SQTM (Smart mini-ATM) by Divine Karye?
SQTM is a portable smart mini-ATM that allows users to deposit and withdraw cash in areas with limited banking infrastructure. It enables financial inclusion while offering franchisees a profitable business opportunity.
How does the SQTM business model work?
The SQTM franchise allows individuals to install and operate smart mini-ATMs in high-footfall locations. As a franchise owner, you earn per transaction made on your machine.
What is the investment required to start a SQTM franchise?
The one-time investment is ₹2,12,400, which includes the cost of the machine and setup.
What are the earnings from a SQTM franchise?
You earn ₹12.90 per deposit and ₹8 per withdrawal.
What is the expected monthly income from a SQTM mini-ATM?
Earnings depend on daily transactions. For example: - 50/day: ₹17,145/month (12.4 months break-even) - 100/day: ₹34,290/month (6.2 months) - 300/day: ₹1,02,870/month (2.1 months)
What are the space and installation requirements?
Minimum 10–15 sq. ft. in a high-footfall area. Requires a 1kW electricity connection or no backup.
What documents are required for a SQTM franchise?
Aadhaar, PAN, Voter ID, Electricity Bill, Passbook, Email, Mobile, and GST if applicable.
How do I apply for a SQTM franchise?
Apply only via our official platform. Avoid unauthorized sources to prevent fraud.
How long does it take to set up a SQTM mini-ATM?
Installation typically takes 10–15 days post-approval depending on location readiness.
What maintenance is required for a SQTM mini-ATM?
Only regular cash refilling and basic upkeep. Support is available 24/7.
Can I install a SQTM mini-ATM in rural or semi-urban areas?
Absolutely! SQTM is optimized for financially underserved regions.
What security measures are in place for SQTM ATMs?
RBI-compliant security, anti-skimming protection, 24/7 monitoring, and tamper alerts.
Do I need a GST number to operate a SQTM mini-ATM?
GST is optional unless you want to claim tax benefits.
Who is responsible for refilling cash in SQTM ATMs?
Franchise owners are responsible for regular cash refilling.
What if my SQTM mini-ATM faces technical issues?
24/7 customer support is provided for any hardware or software issues.
Can I operate multiple SQTM ATMs?
Yes, you can scale by installing multiple QTMs across locations.
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Empower your business with innovative, trusted products backed by an ecosystem of growth and support.

Recurring Commission Earnings

Earn monthly payouts for every active client in your portfolio—reliable recurring income that scales with your performance.

Priority Product Access & Tools

Get early access to SQTM terminals, integration features, branded assets, and promotional material to boost your reach.

Real-Time Business Dashboard

Track your leads, KPIs, commissions, and customer activity through an intuitive dashboard built for partner success.

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Receive dedicated onboarding, partner training, resources, and expert support to help you succeed from day one.

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