Latest ATM Withdrawal limits

Latest ATM Withdrawal Limits & Transaction Charges in India

ByDiksha Chawla

Are you confused about how much cash you can withdraw from an ATM in a single day? Whether you’re planning a big purchase, managing emergencies, or simply budgeting, understanding your bank’s ATM withdrawal limit is crucial. In this blog, we’ll break down the ATM withdrawal limits for major banks, including SBI, HDFC, ICICI, Axis, and more. Let’s dive into the details of cash withdrawal limits, ATM limits per day, and how to navigate these restrictions effectively.

What is the ATM Withdrawal Limit?

The ATM withdrawal limit is the maximum amount of money that can be withdrawn from a savings or current account within a specific time period (per day). This limit varies between banks, typically ranges from a minimum of Rs. 20,000 to higher amounts from the ATM, depending on the type of account.

What is the ATM Withdrawal Limit Per Day?

The ATM withdrawal limit per day refers to the maximum cash you can withdraw from your bank account daily. The majority of the Indian banks’ withdrawal limit per day ranges between Rs. 20,000 to Rs. 50,000 from an ATM. In addition, the maximum ATM withdrawal limit per day depends on your account type and banking specifics.

What is the Maximum Limit of ATM Withdrawal?

Different banks offer different maximum limits of ATM withdrawal to their customers. The cash withdrawal limit also depends on your account type in a particular bank account. Here are the maximum ATM withdrawal limits of some of the top banks in India.

SBI ATM Withdrawal Charges and Transaction Limits

SBI is considered the largest private bank in India. The charges and transaction limits for SBI ATM withdrawals are as follows:

SBI Bank Debit Card TypeWithdrawal Limit (per day)
SBI Classic and Maestro Debit CardsRs.40,000
SBI Global International Debit CardRs.40,000
sbiINTOUCH Tap & Go Debit CardRs.40,000
SBI My Card International Debit CardRs.40,000
SBI Mumbai Metro Combo CardRs.40,000
SBI Gold International Debit CardRs.50,000
SBI Platinum International Debit CardRs.1,00,000
  1. SBI Withdrawal Limit: From Rs.40,000 to Rs.1 lakh.
  2. SBI Bank Fee for ATM Withdrawals: Up to Rs.20 plus GST (Depending on the number of withdrawals).
  3. Fee for Non-SBI ATM Withdrawals: Up to Rs.20 plus GST (Depending on the number of withdrawals).
  4. Foreign  ATM Transaction Charges: Minimum of Rs.100 plus GST plus 3.5% of the taxation amount.

HDFC Bank ATM Withdrawal Charges and Transaction Limits

HDFC is considered the largest private bank in India. It offers many banking services that includes loan services and ATM cash withdrawals. The charges and transaction limits of HDFC bank are mentioned below:

HDFC Bnak Debit Card TypeWithdrawal Limit (per day)
HDFC International, Woman’s Advantage or NRO Debit CardsRs.25,000
HDFC International Business, Titanium or Gold Debit CardsRs.50,000
HDFC Titanium Royale Debit CardRs.75,000
HDFC Platinuma and Imperia Platinum Chip Debit CardsRs.1,00,000
JetPrivilege HDFC Bank World Debit CardRs.3,00,000
  1. HDFC Withdrawal Limit: From Rs.25,000 and Rs.3 lakh.
  2. HDFC Bank Fee for ATM Withdrawals: Up to Rs.21 plus taxes
  3. Fee for Non-HDFC Bank ATM Withdrawals: Up to Rs.21 plus taxes
  4. Foreign ATM Transaction Charges: Minimum of Rs.125 plus taxes

ICICI Bank ATM Withdrawal Charges and Transaction Limits

ICICI Bank is a multinational bank with it headquarters in Mumbai. It was founded in 1994 and has provided various banking services to its customers ever since. The ATM withdrawal charges and transaction limits of ICICI bank are mentioned below:

ICICI  Bank Debit Card TypeWithdrawal Limit (per day)
ICICI Smart Shopper Silver Debit CardRs. 50,000
ICICI Expressions Debit CardRs. 1,25,000
ICICI Bank Coral Plus Debit CardRs. 1,50,000
ICICI Expressions Coral Debit CardRs. 1,50,000
ICICI Platinum or Titanium Debit CardRs.1,00,000
ICICI Bank Sapphiro Debit CardRs. 2,50,000
  1. ICCI Withdrawal Limit: From Rs.25,000 and Rs.3 lakh. 
  2. ICICI Bank Fee for ATM Withdrawals: Nil for up to 5 cash withdrawal in a month; Rs.20 per financial transaction and Rs. 8.50 per non-financial transaction
  3. Fee for Non-ICICI Bank ATM Withdrawals: Rs.20.
  4. Foreign ATM Transaction Charges: Minimum of Rs.150

The details mentioned above are for a regular salary account.

Axis Bank Withdrawal Charges and Transaction Limits

Headquartered in Mumbai, Maharashtra Axis Bank is India’s third largest private sector bank. The withdrawal charges and transaction limits of the Bank’s debit card are mentioned below:

Axis Bank Debit Card TypeWithdrawal Limit (per day)
Axis Bank RuPay Platinum, Power Salute Debit CardsRs. 40,000
Axis Bank Liberty, Rewards Plus, Secure Plus, Online Rewards, Titanium Prime, Titanium Rewards Debit CardsRs. 50,000
Axis Bank Delight, Value Plus, Priority, Sampann, Prestige Debit CardsRs. 1,00,000
Axis Bank Burgundy Debit Card Debit CardRs. 3,00,000
  1. Bank Fee for ATM Withdrawals: Up to Rs.21
  2. Fee for Non-Axis Bank ATM Withdrawals: Up to Rs.21
  3. Withdrawal Limit: Depends on the Axis bank debit card
  4. Foreign ATM Transaction Charges: Rs.125

Bank of India Withdrawal Charges and Transaction Limits

BOI Bank Fee for ATM Withdrawals: Up to Rs.21

  1. Fee for Non-Bank of India ATM Withdrawals: Up to Rs.21
  2. Withdrawal Limit: Depends on the BOI Debit card
  3. Foreign ATM Transaction Charges: Rs.125 plus currency conversion charges (2%)
  4. Free Withdrawals at Bank of India ATM: Up to 10

Punjab National Bank Withdrawal Charges and Transaction Limits

  1. Bank Fee for ATM Withdrawals: Up to Rs.20
  2. Fee for Non-PNB ATM Withdrawals: Up to Rs.20
  3. Withdrawal Limit: Up to Rs.50,000
  4. Foreign ATM Transaction Charges: Rs.150
  5. Free Withdrawals at PNB ATM: 5

Canara Bank daily debit card limit transactions for ATM withdrawals

  1. Daily ATM cash withdrawal: Rs 75,000 (Classic Debit Card)
  2. POS Limit : RS. 2 Lakh per day
  3. NFC(contactless): Rs. 25,000
  4. Contactless transactions: 5 per day

Bank of Baroda ATM Withdrawal Limit

Here are the withdrawal limits of various ATM cards of the Bank of Baroda:

  1. World Agniveer, RuPay Qsparc NCMC, RuPay Platinum DI, Mastercard DI Platinum or BPCL Debit Card, the daily withdrawal limit: Rs. 50,000.
  2. For RuPay Classic DI or Mastercard Classic DI Debit Card: Rs. 25,000 per day.
  3. RuPay Select DI Debit Card: Rs. 1,50,000 per day

Indian Bank ATM Withdrawal Limit 

The following are the daily withdrawal limits of Indian Bank:

  • The Senior Citizen and Pradhan Mantri Jan Dhan Yojana: daily withdrawal limit Rs. 25,000 per day
  • RuPay Platinum, RuPay Debit Select, Mastercard World, or Mastercard World Platinum: Rs. 50,000 daily.
  • IB DIGI- RuPay Classic, Kalaignar Magalir Urimai Thittam (KMUT) Scheme, RuPay  Kisan or MUDRA Debit Card: Rs. 10,000 per day.
  • RuPay International Platinum Debit Card: Rs. 1,00,000 daily

Union Bank ATM Withdrawal Limit 

Here are the withdrawal limits of various Union Bank ATM cards:

  • Classic Visa, Mastercard, or RuPay Debit Card: Rs. 25,000 daily.
  • Platinum Visa, Mastercard or RuPay Debit Card: Rs. 75,000 daily.
  • Business Platinum Visa and Mastercard: Rs. 1,00,000 daily.
  • Union Bank RuPay Select Debit Card: maximum of Rs. 1,00,000 daily
  • Union Bank Signature Visa and Mastercard: Rs. 1,00,000 daily.

Federal Bank ATM Withdrawal Limit 

The following are the cash withdrawal limits of various Federal Bank debit cards:

  • FedFirst Contactless Debit Card permits: Rs. 2,500 daily.
  • RuPay Crown Debit Card: Rs. 25,000 daily.
  • RuPay Platinum Contactless, Mastercard Crown Contactless, Visa Imperio Business Contactless and Visa Crown Contactless Debit Cards: Rs. 50,000 daily.
  • Mastercard Imperio Personal Contactless Debit Card: Rs. 75,000 daily.
  • Celesta Business Contactless, Visa Celesta Contactless, Visa Imperio Contactless and Mastercard Celesta Contactless Debit Card: Rs. 1,00,000 per day.

Kotak ATM Withdrawal Limit

Here are the daily cash withdrawal limitations of various debit cards of Kotak Bank:

  • Kotak Junior Debit Card: Rs. 5,000.
  • RuPay Debit Card or Classic One Debit Card: Rs. 10,000.
  • For 811 Dream Different and Easy Pay Debit Cards: Rs. 25,000.
  • Silk Platinum, RuPay India or PayShopMore Debit Card: Rs. 40,000.
  • Jifi Platinum Edge and Pro, Business Class Gold, and Business Power Platinum Edge, Pro and Elite: Rs. 50,000.
  • Access India Debit Card: Rs. 75,000.
  • PVR, Signature Pro, Nation Builders, Gold, Jifi Platinum Ace, Platinum Edge, Pro and Ace Debit Card: Rs. 1,00,000.
  • Privy League Platinum, World, Business Power Platinum Ace and Astra Debit Card: Rs. 1,50,000 per day.
  • Privy League Neon, Privy League Platinum (LED) and Privy League Signature Debit Cards: Rs. 2,00,000.
  • Privy League Black and Infinite Debit Cards: Rs. 2,50,000.

Indian Overseas Bank ATM Withdrawal Limit  

The following are the withdrawal limits of several ATM cards of Indian Overseas Bank:

  • Indian Overseas Bank RuPay PMJDY Debit Card: Rs. 10,000 daily.
  • Mastercard Gold and RuPay Mudra EMV Debit Cards: Rs. 20,000 daily.
  • RuPay Classic NCMC or Visa Classic Debit Card: Rs. 30,000 daily.
  • For the Visa Gold Debit Card, the per-day withdrawal limit is Rs. 40,000.
  • Visa Platinum, RuPay Platinum NCMC and RuPay Select NCMC Debit Cards: Rs. 50,000 daily.
  • Visa Signature Contactless Debit Card: Rs. 1,00,000 per day.

YES Bank ATM Withdrawal Limit 

The following are the daily cash withdrawal limits of several YES Bank ATM cards:

  • PMJDY RuPay Chip Debit Card: Rs. 10,000 daily.
  • RuPay Platinum Domestic Debit Card: maximum cash of Rs. 25,000 daily. 
  • YES Bank Element Debit Card: Rs. 30,000 daily.
  • If you possess an Elegance or Engage Debit Card: maximum cash of Rs. 50,000 daily.
  • Eclectic, Eclectic Business, Elevate, Emerge Business, Enhance, Explore, Element Business and RuPay Kisan Debit Cards: maximum cash withdrawal limit of Rs. 1,00,000.
  • YES Bank Emerge Debit Card: Rs. 3,00,000 daily.

Learn more about Finance in our Mastering Financial Knowledge for a Secure Future Blog

How to Avoid Paying ATM Charges?

There are a few ways in which you can avoid paying ATM charges. These are mentioned below –

  1. Use your bank’s ATM – If you use the ATMs of your bank, you will not be charged any withdrawal fee. If you use some other ATMs then you might be charged a fee for ATM withdrawal.
  2. Save your free transactions for withdrawal – Keep your free transaction saved for your ATM withdrawal. For things like account statement or amount transfer, you can use your Bank’s net banking facility.
  3. Use partnered ATMs – Sometimes your bank can partner with other banks. If that’s the case, then you can withdraw from the partnered bank’s ATM.
  4. Pay bills online – Instead of withdrawing money to pay your bills, you can use the online method to do it. By this you can save your free transactions for other cases.
  5. Swipe your cards – Swiping your cards in place of using the ATM would cut down on the amount of time you need to withdraw money from ATM.

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