The Tata Group is taking initiative in the country's financial inclusion. Tata Communications Payment Solution has got RBI's approval to install 15,000 automated teller machines (ATMs) in the next three years, two-third of which will be in smaller towns.    The company said it will roll out three machines in the rural belt and 17 in semi-urban districts for every 10 machines installed in bigger cities, in line with the country's financial inclusion agenda. The group has installed 400 machines so far.    For the company, the least-banked districts are priority, which is pushing for cash delivery through white-label ATMs, which are not owned and operated by any bank, say media reports.    In the first, the company will focus on Maharashtra, Karnataka, Kerala, Tamil Nadu, Andhra Pradesh, and Uttar Pradesh. India is an under-penetrated ATM market with only 98 ATMs for every 10 lakh of population. ATM density in China is 211; in the UK, it is 530; and in the USA, it is 1,390. White-label ATMs account for nearly 50 per cent of ATMs in the US and 70 per cent in Canada.