In India, there is no uniform ATM cash withdrawal limit set by RBI for all banks - each bank sets its own limits, largely based on your debit card type (Classic, Platinum, Premium) and account type (basic, salary, premium).
Typical Daily Limit Range (2026):
| ₹10,000 - ₹20,000 | Basic debit cards |
| ₹20,000 - ₹50,000 | Standard bank debit cards |
| ₹50,000 - ₹1,00,000+ | Premium or high-end debit cards |
| Up to ₹2,50,000+ | Some premium business or premium savings accounts |
These limits represent the maximum daily cash you can withdraw from ATMs per debit card. Multiple transactions at different ATMs are allowed as long as the cumulative total doesn't exceed your daily limit.
Bank-Wise Examples (2026)
State Bank of India (SBI)
- Daily ATM limit: ₹40,000 to ₹1,00,000+ depending on debit card variant.
- SBI typically allows 5 free ATM withdrawals per month (own bank), after which charges apply.
HDFC Bank
- Daily ATM limit: can be ₹25,000 to ₹1,00,000+ depending on the card type (classic vs premium).
- Premium chip cards often have higher limits.
ICICI Bank
- Daily ATM limit: commonly around ₹50,000 for many debit cards, but can go higher for premium segments.
Axis Bank
- Axis offers varied limits - e.g., Titanium/Prime cards ~₹50,000, Burgundy segment up to ₹3,00,000 daily.
Public Sector Banks (PNB, Bank of Baroda, Canara Bank, Union Bank, etc.)
- Typical ATM withdrawal limit: ₹25,000 to ₹75,000+ per day (depending on card tier).
- Some banks grant higher daily limits for premium customers.
Important Rules & Charges (2026)
Free ATM Transactions
Most banks allow a fixed number of free ATM transactions per month - often 3-5 free transactions (financial + non-financial) at own ATMs before charges apply.
Charges after Free Limit
Once you go beyond your free monthly quota:
- Banks can charge ~₹23 per ATM cash withdrawal (plus GST) - this was allowed by RBI's updated cost framework.
Non-Bank ATMs
Withdrawing from ATMs of other banks may have different or higher charges than your own bank's ATMs. Always check your bank's tariff document.
Trends & Updates Affecting Limits
RBI and banks have been refining ATM limits with a few goals:
- Improve security and reduce fraud (like card skimming).
- Ensure fair distribution of cash across ATMs.
- Encourage responsible ATM usage.
There's also a trend toward promoting digital payments, leading to fewer physical ATMs but better cash availability at existing ones.
FAQs
What is the ATM withdrawal limit in India for 2026?
ATM withdrawal limits in India for 2026 generally range from ₹10,000 to ₹1,00,000 per day, depending on the bank, debit card type, and account category.
Is ATM withdrawal limit fixed by RBI?
No. The RBI does not fix a uniform daily ATM withdrawal limit. Each bank decides the limit based on its internal policies and debit card variants.
How many times can I withdraw cash from ATM in a day?
There is no fixed limit on the number of transactions, but the total amount withdrawn in a day must stay within your daily limit.
Which debit card has the highest ATM withdrawal limit?
Premium debit cards like Platinum, Signature, Select, or Burgundy cards usually offer the highest withdrawal limits, sometimes up to ₹2,00,000 or more per day.
What is the minimum ATM withdrawal limit?
Basic or entry-level debit cards usually have limits starting from ₹10,000 per day.
Can I increase my ATM withdrawal limit?
Yes. Most banks allow customers to increase their ATM withdrawal limit through:
- Mobile banking app
- Internet banking
- Branch request
Approval depends on card type and account eligibility.
Are ATM limits different for each bank?
Yes. ATM withdrawal limits differ between banks such as SBI, HDFC, ICICI, Axis, PNB, and others, and also vary based on the debit card issued.
Does ATM withdrawal limit reset daily?
Yes. ATM withdrawal limits reset every 24 hours, usually at midnight.
Are ATM withdrawal limits same for all ATMs?
Yes. The daily withdrawal limit applies across all ATMs combined, not per ATM.
How many free ATM withdrawals are allowed per month?
Most banks allow 3 to 5 free ATM transactions per month, after which charges apply.
What are ATM withdrawal charges after free limit?
Banks usually charge around ₹20 to ₹23 per transaction plus GST once the free limit is exhausted.
Is there any tax on ATM cash withdrawal?
Under Section 194N, TDS may apply if total cash withdrawals exceed prescribed limits in a financial year.
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