ATM Withdrawal Limits in India for 2025: Essential Updates and Fees
- Abhinand PS
- Apr 4
- 3 min read
ATM Withdrawal Limits and Fees in India for 2025: What You Need to Know
As digital banking continues to evolve, understanding the nuances of ATM withdrawal limits and associated fees is crucial for effective financial management. In 2025, several updates have been implemented that impact how and when you can access your funds. This guide provides a comprehensive overview of these changes, offering actionable insights and essential information.
General ATM Withdrawal Limits
ATM withdrawal limits in India are primarily determined by individual banks and the type of debit card issued to customers. These limits can vary significantly, reflecting the diverse range of banking products available.
Bank-Specific ATM Withdrawal Limits
Different banks offer varying withdrawal limits based on the type of account and debit card. Below is a summary of the daily ATM withdrawal limits for some of the major banks in India:Moneyview+2Razorpay+2Ujjivan SFB+2
Bank | Debit Card Type | Daily Withdrawal Limit |
State Bank of India (SBI) | Global International Debit Card | ₹40,000 |
Platinum International Debit Card | ₹1,00,000 | |
HDFC Bank | Platinum and Imperia Platinum Chip Debit Cards | ₹1,00,000 |
JetPrivilege HDFC Bank World Debit Card | ₹3,00,000 | |
ICICI Bank | Coral Plus Debit Card | ₹1,50,000 |
Expression, Platinum, Titanium Debit Cards | ₹1,00,000 | |
Smart Shopper Silver Debit Card | ₹50,000 | |
Sapphiro Debit Card | ₹2,50,000 | |
Axis Bank | Delight, Value Plus, Priority Debit Cards | ₹1,00,000 |
Burgundy Debit Card | ₹3,00,000 | |
Punjab National Bank (PNB) | Various Debit Cards | Up to ₹50,000 |
Note: The above limits are indicative and may vary based on specific account types and bank policies. For the most accurate information, please refer to your bank's official communications.
Revised ATM Withdrawal Fees Effective May 1, 2025
The Reserve Bank of India (RBI) has announced an increase in ATM withdrawal fees, which will come into effect on May 1, 2025. Customers exceeding their bank's stipulated number of free monthly ATM transactions will now incur a fee of ₹23 per additional transaction, up from the previous ₹21. This adjustment reflects the rising operational costs associated with ATM maintenance and aims to encourage the adoption of digital payment methods. IndustryWired+5Economic Times+5India Today+5Instagram+4India Today+4Upstox+4
Free ATM Transaction Limits
Customers are typically entitled to a certain number of free ATM transactions each month. While this number can vary between banks, it is common for banks to offer up to five free transactions at their own ATMs and a limited number at other banks' ATMs. Exceeding these limits results in the aforementioned fees. India TodayIndia TV News+1agri-stack.com+1
Actionable Insights for ATM Users
To navigate these changes effectively:
Monitor Your Transactions: Keep track of your ATM usage to avoid exceeding free transaction limits and incurring additional fees.
Utilize Digital Payments: Embrace digital payment methods such as UPI, mobile wallets, and online banking to reduce reliance on cash withdrawals.
Stay Informed: Regularly check your bank's official communications for updates on withdrawal limits and fee structures.
Plan Withdrawals: If large cash withdrawals are anticipated, consider visiting your bank branch, where higher withdrawal limits may apply compared to ATMs.
FAQs
Q1: How many free ATM transactions am I entitled to each month?
A1: Most banks offer up to five free transactions per month at their own ATMs. Transactions beyond this limit incur fees. India TV News+1agri-stack.com+1
Q2: Are there different withdrawal limits for domestic and international debit cards?
A2: Yes, international debit cards often have higher withdrawal limits compared to domestic cards. For instance, SBI's Platinum International Debit Card allows withdrawals up to ₹1,00,000 per day. Decentro+2Razorpay+2BankBazaar+2
Q3: Will the increased ATM withdrawal fee affect all transactions?
A3: The increased fee of ₹23 will apply only to transactions that exceed the bank's stipulated number of free monthly ATM transactions. IndustryWired+6India Today+6Upstox+6
Q4: Can I avoid ATM withdrawal fees entirely?
A4: To avoid fees, limit your ATM withdrawals to within the free transaction limits set by your bank and utilize digital payment methods whenever possible.
Q5: Do ATM withdrawal limits vary between different types of accounts within the same bank?
A5: Yes, withdrawal limits can vary based on the type of account and the specific debit card issued. Premium accounts often have higher withdrawal limits. Ujjivan SFB
Staying informed about these changes will help you manage your finances more effectively and avoid unnecessary fees. Always refer to your bank's official communications for the most accurate and personalized information.
Note: The information provided is based on regulatory updates as of April 2025. For the latest details, please refer to official communications from your bank and the Reserve Bank of India.
RBI Increases ATM Withdrawal Fees Effective May 1, 2025
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