The banks have to provide all the4 existing ATMs and future ATMs with ramps so that wheel chair users / persons with disabilities can easily access them and also make arrangement in such a way that height of the ATM does not create an impediment in its use by the wheel chair user. Banks make at least one third of the new ATMs installed as talking ATMs with Braille key pads place them strategically, in consultation with other banks so that Braille Keypad is generally available in each locality.