ATM withdrawal limit is crucial for smart money management and avoiding transaction charges. Whether you’re using a savings account or a premium card, each bank has its own set limits.
RBI’s Take On Withdrawals
The Reserve Bank of India (RBI) doesn’t fix a universal ATM withdrawal limit. Instead, it regulates the number of free ATM transactions per month and leaves the daily cash withdrawal limit to individual banks.
Number of Free ATM Transactions Allowed
The RBI allows:
- 5 free ATM transactions per month at your own bank’s ATM (financial + non-financial)
- 3 free transactions per month at other banks’ ATMs (in metro cities)
- 5 free transactions per month at other banks’ ATMs (in non-metro cities)
After that, you may be charged up to:
- ₹21–₹23 per financial transaction
- ₹10–₹20 per non-financial transaction
These charges are bank-specific and may include GST.
Factors That Influence Withdrawal Limits
| Type of Account | Salary, Savings, Premium, NRI |
| Debit Card Variant | Basic, Classic, Platinum, Business, etc. |
| Bank Policies | Private banks may offer higher limits |
| Customer Category | HNI, Wealth Banking, Students |
ATM Withdrawal Limits by Bank
ATM Withdrawal Limit as per 2025
| Bank Name | Card Type | Daily Limit (₹) |
| SBI | Classic Debit Card | ₹20,000 |
| SBI | Platinum Debit Card | ₹1,00,000 |
| HDFC Bank | EasyShop Platinum Card | ₹1,00,000 |
| HDFC Bank | Imperia/JetPrivilege World | ₹3,00,000 |
| ICICI Bank | Coral Debit Card | ₹50,000 |
| ICICI Bank | Wealth Management Card | ₹1,50,000 |
| Axis Bank | Titanium Prime Card | ₹40,000 |
| Kotak Mahindra | Classic Card | ₹25,000 |
| Yes Bank | Platinum Rupay Card | ₹50,000 |
| Bank of Baroda | MasterCard Gold | ₹50,000 |
| Ujjivan SFB | Premium Account Card | ₹2,50,000 |
Important Things to Note
- If one exceeds the daily limit,transactions will be declined, even if balance is sufficient.
- Online and ATM limits may differ.
- If one needs more cash than allowed, consider:
- Withdrawing from home branch
- Using cheques to withdraw large amounts
- Opting for mobile banking transfer or UPI
Key Takeaways
- RBI does not set ATM withdrawal limits — limits are determined by individual banks based on account and card type.
- Daily ATM withdrawal limits in India generally range from ₹10,000 to ₹3 lakh, depending on the card and bank.
- Premium cards (like HDFC Imperia, SBI Platinum) offer higher withdrawal limits of up to ₹3,00,000.
- RBI allows 5 free transactions/month at own bank’s ATM and 3–5 free transactions at other bank ATMs (metro vs non-metro).
- Charges of ₹21–₹23 per extra transaction apply beyond the free limit.
Always check with bank’s net banking portal or mobile app to know personalized daily ATM cash limit.
FAQs
The maximum daily ATM withdrawal limit in India can go up to ₹3,00,000 for premium debit cardholders like HDFC Imperia or SBI Platinum.
Most basic or classic debit cards have a minimum withdrawal limit of around ₹10,000 to ₹25,000 per day.
No. ATM withdrawal limits vary by bank, debit card type, and account category.
Your transaction will be declined, and no cash will be dispensed. You may also incur charges if you’ve exhausted your free transaction quota.
