ATMs make it easy for the cardholder to withdraw cash from his bank account whenever he/she wants.
Although UPI and digital banking method has increased in the past few years, relevance of the cash is also important.
Banks keep a set limit when it comes to withdrawal of the cash from ATMs which is done for security purposes. You can only withdraw a certain limit of cash from your account. In this article, we will discuss how much money can take from ATMs, and much more.
How Much Money can you take from the ATM?
Different banks have different cash withdrawing guidelines for their customers and the limit may vary depending on the type of account you are getting. The following are some of the banks which include Government Banks in India along with their ATM Cash Withdrawal Limit-
State Bank of India
State Bank of India is India’s Largest Bank in terms of total bank account which happens to be 40Cr+. The following are the cash withdrawal limits of State Bank of India–
| Account Type | Cash Withdrawal (Per Day Limit) |
| Normal Account with SBI Classic Debit Card | Rs. 40,000/- |
| Premium Higher value cards | Rs. 1 lakh per day |
ICICI Bank
ICICI Bank is the second largest private bank in India with a total customer base of 5Cr+ individual accounts. The following are the cash withdrawal limits of ICICI Bank-
| Account Type | Cash Withdrawal (Per Day Limit) |
| Normal Account | Rs. 50,000/- |
| High Net Worth Individual Account | Rs. 1 lakh per day |
HDFC Bank
HDFC Bank is the largest private Bank in India and by market capitalization, it is the fourth largest. There are 19,727 ATMs across India from where you can withdraw cash. The following are the Cash Withdrawal limits of HDFC Bank-
| Account Type | Cash Withdrawal (Per Day Limit) |
| Normal Account | Rs. 10,000/- |
| Premium accounts | Rs. 25,000/- |
Bank of Baroda
Bank of Baroda is a Government bank in India which is the second largest with 153 million customers. The bank also operates 13,800 ATMs all over the world. The following are the withdrawal limits of the Bank of Baroda ATM Machine-
| Account Type | Cash Withdrawal (Per Day Limit) |
| Cash Withdrawal | Rs. 1,50,000/- |
| POS and E-commerce Transactions | Rs. 5,00,000/- |
Bank of Maharashtra
Bank of Maharashtra is a public sector bank which is headquartered in Pune. The bank has 2.9Cr+ customers all over India and it also has the largest network of branches in India. The following are the cash withdrawal limits of the Bank of Maharashtra-
| Account Type | Cash Withdrawal (Per Day Limit) |
| BOM Rupay Debit Card | Rs.10,000/- |
| BOM Rupay Platinum Debit Card | Rs.10,000/- |
| BOM Kisan Card | Rs.10,000/- |
| BOM Mudra Card | Rs.10,000/- |
| Visa Classic Card | Rs.10,000/- |
| BOM Visa Purple Card | Rs.1,00,000/- |
Canara Bank
Canara Bank is a public sector bank headquartered in Bengaluru. With 13,424 ATM Machines all over India, Canara Bank provides the best banking services. The following are the cash withdrawal limits of the Canara Bank-
| Card Type | Transaction Type | Daily Limit |
| Classic Debit Card | Cash | 75,000/- |
| POS/ E-Com | 2,00,000/- | |
| NFC (contactless) | 25,000/- | |
| Platinum/ Business/Select Debit Card | Cash | 1,00,000/- |
| POS/ E-Com | 5,00,000/- | |
| NFC(contactless) | 25,000/- |
Central Bank of India
Central Bank of India (CBI) is an Indian public sector bank based in Mumbai with 3664 ATM Machines all over India. The following are the cash withdrawal limits of the Central Bank of India-
| Account Type | Cash Withdrawal (Per Day Limit) |
| Cash Withdrawal | Rs. 1,50,000/- |
| POS and E-commerce Transactions | Rs. 2,00,000/- |
Indian Bank
Indian Bank is a Government Bank in India with over 10Cr+ customers all over India. It is headquartered in Chennai and was founded in 1907. The following are the cash withdrawal limits of the Indian Bank-
| Card Type | Daily Withdrawal Limit (ATM) | Daily POS Limit | Contactless POS Limit |
| IB RUPEE KEY – RuPay On-The-Go Smart Keychain | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
| RuPay Platinum Card (Contact) | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
| RuPay Platinum Card (Contactless) | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
| Rupay International Platinum card (Contact) | Rs. 1,00,000 | Rs. 2,00,000 | NA |
| RuPay Debit Select Card (Contactless) | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
| Rupay classic contactless Card (NCMC) | Rs. 25,000 | Rs. 25,000 | Rs. 5,000 |
| IB DIGI – RuPay Classic Card | Rs. 10,000 | Rs. 10,000 | – |
| IB DIGI- Rupay Classic Card (Contactless) | Rs. 10,000 | Rs. 10,000 | Rs. 5,000 |
| Senior Citizen Debit Card (Contact) | Rs. 25,000 | Rs. 50,000 | – |
| PMJDY Card (Pradhan Mantri Jan Dhan Yojana) – Contact | Rs. 25,000 | Rs. 25,000 | – |
| PMJDY Card (Pradhan Mantri Jan Dhan Yojana) – Contactless | Rs. 25,000 | Rs. 25,000 | Rs. 5,000 |
| RUPAY KISAN CARD (Contactless) | Rs. 10,000 | Rs. 15,000 | Rs. 5,000 |
| MUDRA Card (Micro Units Development and Refinance Agency) | Rs. 10,000 | Rs. 10,000 | – |
| MasterCard World (Contact) | Rs. 50,000 | Rs. 1,00,000 | – |
| MasterCard World Platinum (Contactless) | Rs. 50,000 | Rs. 1,00,000 | Rs. 5,000 |
Punjab National Bank
Punjab National Bank is a public sector Bank headquartered in New Delhi. In terms of business and network of branches, the Punjab National Bank is the second largest national bank in India. The following are the cash withdrawal limits of the Punjab National Bank-
| Account Type | Cash Withdrawal (Per Day Limit) |
| Cash Withdrawal (in PNB ATMs) | Rs. 25,000/- |
| Cash Withdrawal (non-PNB ATMs) | Rs. 10,000/- |
| POS and E-commerce Transactions | Rs. 60,000/- |
UCO Bank
UCO Bank is a Government of India Bank established in 1943 in Kolkata. The bank has 2599+ ATMs all over India. The following are the cash withdrawal limits of the UCO Bank-
| TYPE OF CARD | Per Day Cash Withdrawal Limit | Per Day Limit in POS/ e-Commerce Transactions | |
| Platinum Personalised (Rupay) | Rs. 50,000 | Rs. 1,00,000 | |
| Platinum Non-Personalised (Rupay) | Rs. 50,000 | Rs. 50,000 | |
| Classic (RuPay) | Rs. 25,000 | Rs. 50,000 | |
| KCC (RuPay) | Rs. 25,000 | — | |
| Mudra (RuPay) | Rs. 25,000 | Rs. 50,000 | |
| Classic (Visa) | Rs. 25,000 | Rs. 50,000 | |
| Gold (Visa) | Rs. 50,000 | Rs. 50,000 | |
| Platinum (Visa) | Rs. 50,000 | Rs. 1,00,000 | |
| Signature (Visa) | Rs. 50,000 | Rs. 2,00,000 | |
| EMV (Visa) | Rs. 25,000 | Rs. 50,000 | |
| Minors – Cards issued to Minors will have a limit of Rs. 3,000/- per day and Rs. 15,000/- per month. | |||
FAQ
Yes, ATM withdrawal is a fee however, there is a free limit for the ATM withdrawal which is up to 3 withdrawals per month. If you withdraw more than three times then a small fee is required to be paid.
A debit card is a card that is offered by the bank at the time of opening the account. For using the debit card, you’ll be charged a small fee however, the bank usually sets a limit up to which the services are free, when you exceed that limit then the bank may impose some cost.
If you forgot your ATM PIN then you can reset your ATM PIN by Visiting the nearest ATM and inserting your card followed by clicking on the generate new PIN option. You can follow the onscreen instructions to further your process of ATM PIN reset.
Yes, you can withdraw cash from an ATM using UPI as RBI now has implemented the UPI system to be used with ATMs replacing any need for cards.
I’m Shiv Kumar, a graduate with a passion for finance, marketing, and technology. My journey into finance started with a desire to understand money management and investing.
Our main goal is to empower individuals through financial education. We believe that everyone should have the opportunity to build a strong financial foundation. Whether you’re a seasoned investor or just getting started, we provide articles, guides, and resources to help you navigate the financial landscape.
I invite you to join our community of financially savvy individuals. Feel free to ask questions, engage with our content, and explore the topics that matter to you. Together, let’s take control of our financial futures.
