ATM Rules From April 1: Cash Withdrawal Limits & UPI Transactions; Check HDFC Bank, PNB, Other Bank Charges

ATM transaction limits are scheduled to change from April 1, 2026, as many banks have revised their cash withdrawal limits and UPI transactions on a daily basis. These banks include HDFC Bank, Bandhan Bank, Punjab National Bank (PNB) and Jio Payments BBank,among others. There will be a standard RS 23 ffeelevied after a certain limit to free cash withdrawals. While some banks have nearly halved their withdrawal limits on card variants.

HDFC Bank New Cash Withdrawal Limits From April 1, 2026:

The largest bank of India in terms of market share, HDFC Bank has decided to include UPI-based cardless cash withdrawal (ICCW) feature at its own ATMs across the country. Earlier, UPI withdrawals were free from this quota. However, from next month, UPI withdrawals will be part of monthly free transaction limit.

Accordingly, HDFC Bank announced that savings and salary account holders will enjoy five free transactions in a month at any HDFC ATMs. The transactions will be free for 3 to 5 withdrawals at other bank ATMs, but the limit will depend upon metro and non-metro locations.

If you exceed the withdrawal limit in a month, then you will be liable to pay a charge of Rs 23 plus taxes on every UPI-based transactions.

Notably, HDFC Bank's domestic ATM transations done after 7:30 pm every day, will be considered as the next day's transactions. On the transactions post 7:30 pm carried during the last day of the month will be considered as the transactions in the next day of the subsequent month.

For example: You have already surpassed the transaction limit of 5 at HDFC Bank ATMs, and you had to carry out UPI-based transactions after 7:30 pm on March 31st.

This transaction after 7:30 will be counted on April 1, 2026. So if you carried out four UPI-based withdrawals on April 1st, including the March 31st post-7:30 pm transaction, you will hit the withdrawal limit of 5.

Punjab National Bank Cash Withdrawal Limit:

Unlike HDFC Bank, PNB has revised its daily ATM cash withdrawal limits but in a different pattern. From April 1, the daily cash withdrawal limit will be reduced to Rs 50,000 from Rs 1 lakh on selective cards. These are --- RuPay NCMC Platinum Domestic and International debit cards, RuPay Women Power Platinum debit card, RuPay PNB Palaash debit card, RuPay Business Platinum NCMC debit card, MasterCard Platinum debit card, VISA Gold debit card, and PNB MasterCard Platinum Rise.

On the higher-tier cards, the withdrawal limit is trimmed to RS 75,000 per day from Rs 1.50 lakh per day.

3. Bandhan Bank ATM Rules From April 1, 2026:

Bandhan Bank's ATM rules have also been revised. From April 1st, the bank will allow five free withdrawals at its own ATMs per month, while the transaction limit will be five per month in non-metro cities and three per month in metro cities. Notably, non-financial transactions will continue to be unlimited.

If any of the withdrawl monthly limit is exceeded, then Bandhan Bank will impose Rs 23 fees on financial transactions per month beyond the limit. The bank will further levy Rs 25 fees on insufficient funds and Rs 10 on non-financial transactions beyond the limit.

It needs to be noted that the metro cities include Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, and New Delhi.

4. JIO Payments Bank Withdrawal Rules:

From April 1st, the Jio Payments Bank will introduce UPI-based QR cash withdrawal services via its Business Correspondent (BC) network.

This will allow customers to enter into any Jio partnered retail outlet, scan their QR code and receive cash from the merchant. This will eliminate the need to visit an ATM.

An ATM is a computerised machine that provides customers of banks the facility of accessing their accounts for dispensing cash and to carry out other financial & non-financial transactions without the need to visit the bank branch, as per RBI.

Apart from cash transactions, you can also avail other facilities through ATMs such as account information, cash deposit, regular bill payment, short bank statement, change PIN numbers and request for cheque books.

What Are ATM Rules Of RBI:

RBI has directed free transactions limit rules at ATMs. It said, a bank must offer to its savings bank account holders a minimum number of free transactions at ATMs as under:

1. Transactions at a bank's own ATM (On-Us transactions) at any location: Banks should offer their savings bank account holders a minimum of five free financial transactions in a month, irrespective of the location of ATMs. Any number of non-cash withdrawal transactions will be provided free.

2. Transactions at any other banks' ATM (Off-Us transactions) at Metro locations: In case of ATMs located in six metro locations, viz. Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, and New Delhi, banks shall offer their savings bank account holders a minimum of three free transactions (including financial and non-financial transactions) in a month.

3. Transactions at any other banks' ATM (Off-Us transactions) at non-Metro locations: At any location, other than the six metro locations as above, banks must offer its savings bank account holders a minimum of five free transactions (including financial and non-financial transactions) at other bank ATMs in a month.

RBI has mandated minimum number of free transactions at ATMs. Banks may offer more number of free transactions to their customers.