ATM Withdrawal Limit in India: Daily, Bank-wise, and New Rules

Managing your cash withdrawals wisely is just as important as budgeting your expenses. One crucial factor in this is understanding your ATM withdrawal limit — the maximum cash you can withdraw from an ATM using your debit or credit card. This daily cap depends on your bank, card type, and whether you're using your own bank's ATM or another bank's (on-us vs off-us).

In this article, we’ll explain what ATM withdrawal limits are, how they vary by bank, what the latest RBI and bank rules say, and how to avoid extra charges.

What Is an ATM Withdrawal Limit?

ATM withdrawal limit refers to the highest amount you can withdraw in cash from an ATM in a day, month, or single transaction. These limits are set to ensure cash availability, reduce fraud risk, and maintain compliance with banking regulations.

For example, if your daily limit is ₹25,000, you can’t withdraw more than that amount from any ATM in 24 hours, even if you have a ₹1 lakh balance.

‘ATM Withdrawal Limit’ in some of the Indian Languages

Fascinating Fact:

The RBI increased ATM withdrawal charges from ₹21 to ₹23 per transaction beyond the free limit, effective from May 1, 2025. This was the latest revision in ATM charges as banks were permitted to raise fees by ₹2 per transaction for withdrawals exceeding the monthly free usage quota.

How to explain ‘ATM Withdrawal Limit’ to kids?

Think of ATM withdrawal limits like your bank setting a daily "pocket money" rule. You can only take out a fixed amount, say, ₹25,000 per day. If you try to take more, the machine won’t let you. Also, if you use other bank ATMs too many times, you’ll be charged a small fee. It’s like your bank giving you a prepaid plan on how many times you can withdraw before they start billing extra.

Types of ATM Limits: Daily, Transaction-wise & Monthly

ATM withdrawal restrictions can be categorized into:

• Daily limit: Most commonly imposed limit, ranges between ₹10,000 and ₹1,00,000.
• Per transaction limit: Often ₹10,000–₹20,000 per swipe, especially in off-us ATMs.
• Monthly free transaction cap: Limits on how many free withdrawals you get per month before charges apply.
  

How to Check Your ATM Withdrawal Limit

Want to know your current ATM withdrawal limit? Here’s how:

• Check your debit card welcome kit or official email from the bank.
• Log in to net banking or mobile banking app.
• Call customer care or visit your branch.
• Look for details under “Debit Card Services” or “Card Limits.”
  

ATM Withdrawal Charges After Free Limits

The RBI allows banks to set charges after a fixed number of free withdrawals:

• Metro cities: 5 free transactions at own-bank ATMs, 3 at other bank ATMs.
• Non-metro cities: 5 at other bank ATMs, 10 total.
• Beyond this limit: ₹23 + GST per extra transaction is usually charged.

For example:
"After five free withdrawals in metro cities, you'll be charged ₹23 + GST per ATM transaction."

Fascinating Fact #2:

UPI-ATM (Interoperable Cardless Cash Withdrawal) service allows transactions up to ₹10,000 per transaction, which forms part of the existing UPI per day limit set by issuer banks. This innovative service enables cardless cash withdrawals using UPI, bridging the gap between digital payments and physical cash access.

Cash Withdrawal Limits for Credit Cards

You can withdraw cash using a credit card, but it's usually expensive. Most banks allow 20–40% of your credit limit as a cash advance.

• Interest is charged from day one.
• There’s usually a cash withdrawal fee (e.g., 2.5% of the amount or ₹500, whichever is higher).
• No grace period or reward points apply.
  

Can You Withdraw Cash Using a Credit Card?

Yes, but it’s better avoided unless urgent. You're charged both interest and withdrawal fees, and these add up quickly.

New RBI Guidelines and Bank Rules on Cash Withdrawal

The RBI has not changed daily ATM withdrawal caps, but encourages:

• Reasonable capping on free transactions.
• Transparency on ATM charges.
• Standard ₹10,000–₹25,000 per transaction for most customers, unless a higher tier is availed.
  

Difference Between On-Us vs Off-Us ATM Transactions

• On-Us: Transactions at your bank’s ATM (e.g., if you have an SBI Card and do ATM transactions at SBI ATM)
• Off-Us: Transactions at another bank’s ATM (e.g.,if you have an SBI Card and do ATM transactions at HDFC or any other bank’s ATM)

Limits and charges often vary between these.

Fascinating Fact #3:

Banks can offer more free transactions to their customers than RBI has mandated to. Currently, RBI has mandated a minimum of five free transactions of ‘On-Us transactions’ at any location, a minimum of three free transactions of ‘Off-Us transactions’ at Metro locations, and a minimum of five free transactions of ‘Off-Us transactions’ at non-Metro locations. Metro locations as per RBI are Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, and New Delhi.

Non-Bank ATM Withdrawal Limits Explained

Non-bank ATMs (like TATA Indicash, Muthoot, India1) follow RBI-regulated withdrawal limits, but service charges might vary. You can use them, but keep in mind:

• Lower per transaction caps
• Fewer free withdrawals
• Slightly longer processing time in some areas
  

Debit Card Limit vs ATM Withdrawal Limit

Not all debit card limits are about ATMs. You may have:

• ATM withdrawal limit
• PoS (swipe) limit
• Online transaction limit

Each is independent and customizable via your bank app or portal.

Free ATM Transactions per Month: How Many Are Allowed?

• 3–5 free off-us ATM transactions in metro areas
• 5 at on-us ATMs in metros
• 10 free total transactions in non-metro areas
• Charges after this: ₹21 + taxes (as per RBI guidelines)
  

Cash Deposit Limit vs Cash Withdrawal Limit

• Cash deposit limit: Amount you can deposit at an ATM or branch
• Cash withdrawal limit: How much you can withdraw in a given time period

These are regulated differently and can vary widely across accounts.

FAQs on ATM Withdrawal Limits

Q1. What is the ATM withdrawal limit per day in India

It varies by bank and card type, ranging from ₹10,000 to ₹1,00,000 daily for most debit cards.

Q2. How many ATM withdrawals are free per month?

Typically 3–5 free withdrawals at other banks and up to 5 at own-bank ATMs in metros; 10 in non-metros.

Q3. Can I increase my ATM withdrawal limit?

Yes, by upgrading your card or account type or requesting limit enhancement via net banking or customer care.

Q4. Is there a separate limit for credit card cash withdrawal?

Yes, most credit cards have a cash advance limit of 20–40% of the total credit limit with high interest and fees.

Q5. What are the new RBI rules on cash withdrawal from banks?

RBI hasn’t changed daily ATM limits but encourages banks to cap free transactions and charge standard fees thereafter.