What is the ATM daily withdrawal limit in India?

As of 24 October 2026: the service descriptions, prices and turnaround figures on this page are current.

Is there one ATM daily limit for the whole country?

No, and this is the single most common misunderstanding in the question. The ATM daily withdrawal ceiling is not a national number. It is set by the card scheme terms and by the bank's own policy for each card product, and it is applied differently for a debit card, a credit card and a prepaid card, and differently again for a senior citizen or a differently-abled customer. It also depends on where the cash is drawn: a bank's own ATM and a competitor's ATM frequently carry different ceilings and different free-transaction allowances. The practical consequence is that the number that matters is the one printed in the card's terms and shown in the banking app for your specific card, and the only reliable way to get it is to ask the bank or read the card's terms of use, not to search for a generic figure.

What changed in the ATM rules from April 2026?

Three changes, and the direction of travel is that cash is being priced rather than rationed. From 1 April 2026, HDFC Bank brought UPI-based cash withdrawals at ATMs into the monthly free transaction allowance, so withdrawals beyond that allowance attract the applicable standard charges; previously cardless cash withdrawal sat outside the free-count. In a separate move, Punjab National Bank revised ATM withdrawal limits for certain debit card categories, lowering the daily caps on the affected cards. And Jio Payments Bank launched UPI-based cardless cash withdrawal through its Business Correspondent network, allowing cash to be drawn against a UPI QR code at a banking correspondent outlet with no debit card at all. The pattern across all three is the same: fewer free ATM transactions, more charges, and a shift of small-value cash movement onto UPI and cardless rails.

What should I do if my ATM card was skimmed?

Treat it as a card-compromise incident, in this order and the same day. Call your bank's fraud helpline, ask them to block the card immediately and to flag the beneficiary or the merchant, and request a reversal of the withdrawals. Ask the bank to enable a transaction limit lower than your daily cap, so the same method cannot be repeated at full size. File on cybercrime.gov.in and call helpline 1930, because the report number is required for restitution. Under RBI's June 2026 instructions, effective 1 January 2027, a genuine individual victim with a gross loss up to Rs 50,000 may be compensated at 85% of net loss or Rs 25,000, whichever is less, provided the report is made to the bank and to the NCRP or the 1930 helpline within five calendar days. Keep the ATM receipt and the location details, because a dispute decided on evidence succeeds.

How do you set a daily limit lower than your bank's cap?

Ask the bank, because most banks let a customer set a self-imposed transaction limit on a debit card or a savings account below the contractual ceiling, and it costs nothing. Set it against your actual money rather than an abstract number. Pair it with a cooling-off period on adding a new payee, with channel-based confirmation for high-value transactions rather than a one-time PIN approval, and with alerts to a second registered contact so a transaction in Kochi reaches you in the same minute it happens. A limit that is set at the bank's maximum is not a control, because the fraudster's whole technique is to make one call that the limit does not stop.

What are the frequently asked questions?