ATM Withdrawal Limit India 2026 ā Daily Cash Limit SBI, HDFC, ICICI, Axis
ATM cash withdrawal daily limit 2026 for SBI, HDFC, ICICI, Axis, Kotak, PNB. How many free ATM transactions allowed. Charges after free limit. Increase ATM limit online.
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ATM Withdrawal Limit India 2026 ā Daily Cash Limit All Major Banks
Every bank sets a daily ATM withdrawal limit based on your debit card type and account. Knowing this limit prevents failed transactions at ATMs. Banks also restrict free ATM transactions per month before charging fees.
Note: ATM limits can be changed by banks periodically. The figures below are indicative as of May 2026. Verify the exact limit for your specific debit card type in your bank's app, net banking, or by calling customer care.
Daily ATM Cash Withdrawal Limits ā Major Banks
| Bank | Classic/Regular Card | Platinum/Premium Card | Maximum Possible |
|---|---|---|---|
| SBI | ā¹20,000 | ā¹40,000āā¹1,00,000 | ā¹1,00,000 |
| HDFC Bank | ā¹25,000 | ā¹50,000āā¹1,00,000 | ā¹1,00,000 |
| ICICI Bank | ā¹25,000 | ā¹50,000āā¹1,00,000 | ā¹1,00,000 |
| Axis Bank | ā¹25,000 | ā¹50,000 | ā¹1,00,000 |
| Kotak Mahindra | ā¹25,000 | ā¹50,000 | ā¹1,00,000 |
| PNB | ā¹20,000 | ā¹25,000āā¹50,000 | ā¹50,000 |
| Bank of Baroda | ā¹20,000 | ā¹40,000 | ā¹50,000 |
| Canara Bank | ā¹25,000 | ā¹40,000 | ā¹50,000 |
| IndusInd Bank | ā¹25,000 | ā¹50,000āā¹1,00,000 | ā¹1,00,000 |
| Yes Bank | ā¹25,000 | ā¹50,000 | ā¹1,00,000 |
| Federal Bank | ā¹25,000 | ā¹50,000 | ā¹50,000 |
Free ATM Transactions Per Month ā RBI Rules
The RBI mandates minimum free ATM transactions for all savings account holders:
| ATM Type | Metro Cities (6 major cities) | Other Cities/Towns |
|---|---|---|
| Own bank ATM | 5 free transactions/month | 5 free transactions/month |
| Other bank ATM | 3 free transactions/month | 5 free transactions/month |
6 Metro cities for this rule: Mumbai, Delhi, Chennai, Kolkata, Bengaluru, Hyderabad
RBI mandate: These are the minimum free transactions. Some banks (like Kotak 811) may offer more free transactions as part of their savings account benefits.
ATM Charges After Free Limit (Effective Jan 2022)
After exhausting free transactions, each transaction costs:
| Transaction Type | Charge per Transaction |
|---|---|
| Financial transaction (cash/balance) | ā¹21 + GST = ā¹21 + applicable GST |
| Non-financial (mini-statement, PIN change) | ā¹21 + GST (at other bank ATMs) |
RBI update: From January 2022, the per-transaction charge after free limit was revised to ā¹21 per transaction (up from ā¹20). Banks may charge more than ā¹21 (but not less) for additional transactions.
SBI Debit Card ATM Withdrawal Limits by Card Type
| SBI Card Type | Daily ATM Limit |
|---|---|
| SBI Classic / Rupay Classic | ā¹20,000 |
| SBI Global / Rupay Platinum | ā¹40,000 |
| SBI Platinum | ā¹1,00,000 |
| SBI Elite | ā¹1,00,000 |
| SBI Business Debit Card | ā¹1,00,000 |
HDFC Bank ATM Withdrawal Limits by Card Type
| HDFC Card Type | Daily ATM Limit |
|---|---|
| Rupay Basic | ā¹25,000 |
| Classic Debit Card | ā¹25,000 |
| Platinum Debit Card | ā¹50,000 |
| Millennia Debit Card | ā¹50,000 |
| EasyShop Business Debit | ā¹1,00,000 |
How to Check Your Current ATM Limit
- Bank Mobile App ā Go to Cards ā Card Details ā Daily limits shown
- Net Banking ā Account/Card ā Transaction limits
- SMS ā Most banks respond with limits via SMS to registered mobile
- Customer Care ā Call and ask for your card's daily ATM withdrawal limit
How to Increase ATM Withdrawal Limit
Most banks allow temporary or permanent limit increases:
SBI:
- YONO app ā Cards ā Debit Card Limit
- Or: SBI Net Banking ā e-Services ā ATM Card Services ā Change Limit
- Or: SMS:
LIMIT <last 4 digits of card> <new limit>to 567676
HDFC Bank:
- HDFC Mobile Banking ā Cards ā Manage Card ā ATM Daily Limit
- Select new limit (up to card's maximum)
ICICI Bank:
- iMobile ā Cards ā Manage ā Change ATM limit
- OTP verification ā Select new daily limit
Axis Bank:
- Axis Mobile ā Cards ā Card Controls ā ATM Limit
- Increase up to your card type's maximum
ATM Limits for Specific Scenarios
ā¹10,000 salary account (SBI) ā what's the ATM limit? Typically ā¹20,000/day (standard Classic card). You can withdraw more in multiple days.
Can I withdraw ā¹50,000 from ATM in one go? Only if your card's daily limit is ā¹50,000 or above. Additionally, physical ATM notes are typically dispensed in ā¹100, ā¹200, ā¹500, ā¹2,000 denominations. Most ATMs have cassette limits ā individual transactions may be capped at ā¹10,000āā¹20,000 per transaction (multiple transactions in a day are allowed up to daily limit).
What happens if ATM cash runs out mid-transaction? Transaction fails. No debit unless the amount was dispensed (some machines partially dispense). Use another ATM. Disputed transactions are resolved within 7 working days by RBI rule.
Frequently Asked Questions
What is the maximum ATM withdrawal per day in India? For most premium debit cards (SBI Platinum, HDFC Platinum, ICICI Platinum), the maximum is ā¹1,00,000 per day. Standard/Classic cards are usually ā¹20,000āā¹25,000.
Can I withdraw cash more than once from ATM on the same day? Yes ā you can make multiple ATM withdrawals in a day as long as your total doesn't exceed your daily limit. Free transaction limit counts each separate ATM visit.
My bank charges ā¹23 per ATM transaction ā is this correct? Yes. Banks charge ā¹21 + 18% GST = ā¹24.78 (rounded to ā¹23āā¹25) per transaction after free limit. This is within RBI guidelines.
Which bank gives the most free ATM transactions? All banks are RBI-mandated to give at least 5 free transactions at own ATMs and 3 free at other bank ATMs in metros. Some premium account types offer unlimited free transactions at own ATMs.
My Kotak 811 debit card ATM withdrawal limit? Kotak 811 virtual card cannot be used at ATMs. You need a physical Kotak debit card (issued after Video KYC) for ATM withdrawals. The physical card typically has a ā¹25,000 daily limit, upgradeable via the Kotak app.
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