New ATM Card Withdrawal Limits & Transaction Charges in India

ATM Withdrawal Limits in SBI and Other Banks

Customers are requested to have a look into ATM cash withdrawal limits before making transactions with top leading banks such as SBI, HDFC, ICICI, PNB, Axis and others.

SBI ATM Withdrawal Charges and Transaction Limits

SBI is considered the largest private bank in India. The charges and transaction limits for SBI ATM withdrawals are as follows:

1. SBI Withdrawal Limit: From Rs.15,000 to Rs.1 lakh.
2. SBI Bank Fee for ATM Withdrawals: Up to Rs.10 plus GST (Depending on the number of withdrawals).
3. Fee for Non-SBI ATM Withdrawals: Up to Rs.23 plus GST (Depending on the number of withdrawals).
4. Foreign  ATM Transaction Charges: Minimum of Rs.100 plus GST plus 3.5% of the taxation amount.
5. Free Withdrawals at SBI ATM: Starts from 5

Learn more about Sbi Debit Cards

HDFC Bank ATM Withdrawal Charges and Transaction Limits

HDFC is considered the largest private bank in India. It offers many banking services that includes loan services and ATM cash withdrawals. The charges and transaction limits of HDFC bank are mentioned below:

1. HDFC Withdrawal Limit: From Rs.25,000 and Rs.2 lakh.
2. HDFC Bank Fee for ATM Withdrawals: Up to Rs.23 plus taxes
3. Fee for Non-HDFC Bank ATM Withdrawals: Up to Rs.23 plus taxes
4. Foreign ATM Transaction Charges: Minimum of Rs.125 plus taxes

1. Free Withdrawals at HDFC Bank ATM: 5

ICICI Bank ATM Withdrawal Charges and Transaction Limits

ICICI Bank is a multinational bank with it headquarters in Mumbai. It was founded in 1994 and has provided various banking services to its customers ever since. The ATM withdrawal charges and transaction limits of ICICI bank are mentioned below:

1. ICCI Withdrawal Limit: From Rs.1,00,000 to 1,50,000 lakh. 

1. ICICI Bank Fee for ATM Withdrawals: Nil for up to 5 cash withdrawal in a month; Rs.20 per financial transaction and Rs. 8.50 per non-financial transaction 

1. Fee for Non-ICICI Bank ATM Withdrawals: Rs.20 

1. ICICI Bank Withdrawal Limit: Varies from each ICICI Debit Card 

1. Foreign ATM Transaction Charges: Minimum of Rs.125+3.5 currency conversion charges. 

1. Free Withdrawals at ICICI ATM: 5 

The details mentioned above are for a regular salary account. 

Axis Bank Withdrawal Charges and Transaction Limits

Headquartered in Mumbai, Maharashtra Axis Bank is India’s third largest private sector bank. The withdrawal charges and transaction limits of the Bank’s debit card are mentioned below:

1. Axis Bank Withdrawal Limit: From Rs.40,000 to Rs.3,00,000 lakh.

1. Bank Fee for ATM Withdrawals: Up to Rs.23
2. Fee for Non-Axis Bank ATM Withdrawals: Up to Rs.23
3. Withdrawal Limit: Depends on the Axis bank debit card
4. Foreign ATM Transaction Charges: Rs.125
5. Free Withdrawals at Axis Bank ATM: 5

Bank of India Withdrawal Charges and Transaction Limits

1. BOI Bank Fee for ATM Withdrawals: Up to Rs.23

1. Fee for Non-Bank of India ATM Withdrawals: Up to Rs.23 
2. Withdrawal Limit: Depends on the BOI Debit card
3. Foreign ATM Transaction Charges: Rs.125 plus currency conversion charges (2%)
4. Free Withdrawals at Bank of India ATM: Up to 5

Punjab National Bank Withdrawal Charges and Transaction Limits

1. Bank Fee for ATM Withdrawals: Up to Rs.10 + GST
2. Fee for Non-PNB ATM Withdrawals: Up to Rs.23 + GST
3. Withdrawal Limit: Up to Rs.25,000
4. Foreign ATM Transaction Charges: Rs.150

1. Free Withdrawals at PNB ATM: 5

Read more information on Punjab National Bank Debit Card

Canara Bank Daily ATM Withdrawal Limits and Transaction Charges

1. Daily ATM cash withdrawal: Rs 75,000 (Classic Debit Card)

1. POS Limit : RS. 2 Lakh per day

1. NFC(contactless): Rs. 25,000

1. Contactless transactions: 5 per day

Tips to Avoid ATM Withdrawal Charges in SBI & Others

There are a few ways in which you can avoid paying ATM charges. These are mentioned below -

1. Use your bank's ATM – If you use the ATMs of your bank, you will not be charged any withdrawal fee. If you use some other ATMs then you might be charged a fee for ATM withdrawal.

1. Save your free transactions for withdrawal – Keep your free transaction saved for your ATM withdrawal. For things like account statement or amount transfer, you can use your Bank’s net banking facility.

1. Use partnered ATMs – Sometimes your bank can partner with other banks. If that’s the case, then you can withdraw from the partnered bank’s ATM.

1. Pay bills online – Instead of withdrawing money to pay your bills, you can use the online method to do it. By this you can save your free transactions for other cases.

1. Swipe your cards - Swiping your cards in place of using the ATM would cut down on the amount of time you need to withdraw money from ATM.

How to Increase SBI ATM Withdrawal Limit Online

Here is how you can raise the ATM withdrawal limit:

1. Contacting your bank and requesting an increase in your ATM withdrawal limits is the simplest method to do so.
2. Your account history, the type of accounts you hold, and the duration of the increase you request are some of the factors that could affect the decision of the bank.
3. Your bank might be able to make accommodations for you if you require a temporary rise in the withdrawal limit for a particular reason, like a big purchase or a trip.
4. You must present a convincing justification to the bank in order for them to approve a permanent rise in your daily ATM withdrawal limit.
5. Banks set cash withdrawal limits for security purposes. Therefore, if your withdrawal limit is increased, you should still be careful and keep an eye on your debit card to avoid any unauthorised transactions.

Current Rules Regarding ATM Cash Withdrawal

Certain guidelines are established by the Reserve Bank of India for transactions made via ATMs. The updates are as follows:

1. You have to pay Rs.23 for each transaction after your ATM cash withdrawal limit has been reached.
2. According to the RBI, the purpose of the transaction charge increase is to make up for the basic cost and interchange fee hikes that financial institutions have to bear.
3. Banks typically provide five free ATM transactions in a month.

 Summary of SBI ATM Withdrawal Limits and Charges

In 2025, most banks in India allow 5 free ATM withdrawals per month, after which transaction charges are levied. These charges vary based on whether the ATM used is from your own bank or another bank. The withdrawal limits also depend on the type of debit card and the bank’s policy, ranging typically from ₹10,000 to ₹1 lakh per day.  

To avoid paying unnecessary ATM fees:

✔️Stick to your bank’s own ATMs.

✔️Track your withdrawal using mobile apps or SMS alerts.

✔️Choose premium debit cards if you withdraw often.

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