{"id":1307447,"date":"2026-03-22T20:46:51","date_gmt":"2026-03-22T15:16:51","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1307447"},"modified":"2026-03-22T20:47:08","modified_gmt":"2026-03-22T15:17:08","slug":"hdfc-bank-will-charge-rs-23-per-atm-cash-withdrawal-pnb-slashes-cash-limit-by-50","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/hdfc-bank-will-charge-rs-23-per-atm-cash-withdrawal-pnb-slashes-cash-limit-by-50\/","title":{"rendered":"HDFC Bank Will Charge Rs 23 Per ATM Cash Withdrawal; PNB Slashes Cash Limit BY 50%"},"content":{"rendered":"\n<p>Starting April 1, 2026, several banks in India are rolling out <strong>important changes to ATM usage rules<\/strong>, impacting how customers withdraw cash and how charges are applied. While the core RBI framework remains the same, these bank-level updates could affect your monthly banking costs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Change 1: UPI ATM Withdrawals Will Count Towards Free Limit<\/h3>\n\n\n\n<p>One of the biggest changes is that <strong>UPI-based (cardless) ATM withdrawals will now be included in your monthly free transaction limit<\/strong>.<\/p>\n\n\n\n<p>Earlier, these transactions were treated separately. Now, banks like HDFC will count them along with debit card withdrawals. This means if you exceed your monthly free limit, <strong>you will be charged standard ATM fees even for UPI withdrawals<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Change 2: Charges Apply After Free Transaction Limit<\/h3>\n\n\n\n<p>Customers will continue to get a fixed number of free ATM transactions per month.<a href=\"https:\/\/www.ndtv.com\/offbeat\/new-atm-rules-from-april-1-what-bank-customers-need-to-know-11247004\"> However, once this limit is crossed, <strong>charges of up to \u20b923 per transaction (plus taxes)<\/strong> will app<\/a>ly.<\/p>\n\n\n\n<p>This applies to both:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash withdrawals<\/li>\n\n\n\n<li>In some cases, non-financial transactions depending on the bank<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Change 3: Free Transaction Limits Remain Restricted<\/h3>\n\n\n\n<p>The structure of free ATM usage remains limited:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Around 5 free transactions at your own bank\u2019s ATM<\/li>\n\n\n\n<li>3 free transactions in metro cities at other bank ATMs<\/li>\n\n\n\n<li>5 in non-metro cities<\/li>\n<\/ul>\n\n\n\n<p>After this, every additional transaction becomes chargeable.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Change 4: Some Banks Are Revising Withdrawal Limits<\/h3>\n\n\n\n<p>Certain banks, such as Punjab National Bank (PNB), are <strong>reducing daily ATM withdrawal limits for select debit cards<\/strong>.<\/p>\n\n\n\n<p>In some cases, limits have been cut by up to 50 percent\u2014for example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b91 lakh reduced to \u20b950,000<\/li>\n\n\n\n<li>\u20b91.5 lakh reduced to \u20b975,000<\/li>\n<\/ul>\n\n\n\n<p>This change is aimed at improving security and controlling risk.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Change 5: More Charges Likely Based on Usage Patterns<\/h3>\n\n\n\n<p>Banks are increasingly aligning ATM usage with <strong>cost recovery and digital banking push<\/strong>.<\/p>\n\n\n\n<p>This means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frequent ATM users may pay more<\/li>\n\n\n\n<li>Small, repeated withdrawals could increase monthly charges<\/li>\n\n\n\n<li>Digital payments are being encouraged as an alternative<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">What This Means for You<\/h3>\n\n\n\n<p>These changes are not a complete overhaul but a <strong>tightening of usage rules and charges<\/strong>. Customers should monitor their ATM usage more closely, especially with UPI withdrawals now included in limits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>Starting April 1, 2026, several banks in India are rolling out important changes to ATM usage rules, impacting how customers withdraw cash and how charges are applied. While the core RBI framework remains the same, these bank-level updates could affect your monthly banking costs. Change 1: UPI ATM Withdrawals Will Count Towards Free Limit One [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1307466,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[9618],"class_list":["post-1307447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-atm-changes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HDFC Bank Will Charge Rs 23 Per ATM Cash Withdrawal; PNB Slashes Cash Limit BY 50% - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/hdfc-bank-will-charge-rs-23-per-atm-cash-withdrawal-pnb-slashes-cash-limit-by-50\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HDFC Bank Will Charge Rs 23 Per ATM Cash Withdrawal; PNB Slashes Cash Limit BY 50% - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"Starting April 1, 2026, several banks in India are rolling out important changes to ATM usage rules, impacting how customers withdraw cash and how charges are applied. 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