Handheld Micro Automated Teller Machine supports vernacular language display and voice with inbuilt biometric authentication that helps the banks to achieve total financial inclusion in real terms. The Automated Teller Machine is Point of Sale Devices that works with minimal power, connect to central banking servers through GPRS. The Automated Teller Machine enables the un-banked rural people to easily access micro banking services in a very effective manner. The Handheld Micro Automated Teller Machine is made utilizing quality grade materials.