March 27, 2026

ATM Cash Withdrawal Limits of India's Top Banks

ATMs continue to be the easiest mode to withdraw cash whenever and wherever one likes. But every bank has its own daily limit for withdrawing cash from ATMs, depending on the kind of debit card and account possessed by the customer. Knowing about the limits will help you manage your cash withdrawal process effectively.
In this article, we shall discuss what ATM cash withdrawal limits are, how they work, and the withdrawal limits provided by some top banks in India.
 

What Is an ATM Cash Withdrawal Limit?

An ATM withdrawal limit refers to the maximum cash amount that a person may withdraw using a debit card within a given time frame, normally one day. Banks introduce such limits to ensure security, reduce risks, and minimise any form of abuse of debit cards. The limits differ from one bank to another, depending on the account and the type of debit card.
Different banks have varying withdrawal limits for normal, premium, platinum, and corporate debit cards. People with premium cards normally get higher limits compared to those with normal debit cards.
 

Why Do Banks Set ATM Withdrawal Limits?

Banks impose withdrawal limits for several reasons:
  • To reduce the risk of fraud and unauthorised transactions.
  • To ensure adequate cash availability across ATM networks.
  • To protect customers in case a debit card is lost or stolen.
  • To manage operational and security risks.
 

ATM Cash Withdrawal Limits of Top Indian Banks

The actual withdrawal limit depends on the debit card variant. Below are some commonly available limits offered by major banks.

State Bank of India (SBI)

SBI offers different withdrawal limits depending on the debit card category. For example:
  • SBI Classic Debit Card: Up to ₹40,000 per day
  • SBI Gold Debit Card: Up to ₹50,000 per day
  • SBI Platinum Debit Card: Up to ₹1 lakh per day
  • SBI Mastercard World Debit Card: Up to ₹2 lakh per day

HDFC Bank

HDFC Bank's withdrawal limits vary by card type:
  • MoneyBack Debit Card: Up to ₹25,000 per day
  • Millennia Debit Card: Up to ₹50,000 per day
  • Rewards Debit Card: Up to ₹50,000 per day

Punjab National Bank (PNB)

PNB provides different limits across debit card categories:
  • PNB Classic Debit Card: Up to ₹25,000 per day
  • PNB Gold Debit Card: Up to ₹50,000 per day
  • PNB Platinum Debit Card: Up to ₹50,000 per day

ICICI Bank

ICICI Bank offers withdrawal limits depending on the account and debit card variant. Standard debit cards generally offer limits between ₹50,000 and ₹1 lakh per day, while premium cards may provide higher limits.

Axis Bank

Axis Bank withdrawal limits vary according to the debit card type. Standard cards generally offer limits around ₹40,000–₹50,000 per day, while premium debit cards may provide substantially higher limits.

Bank of Baroda

Bank of Baroda also provides different withdrawal limits based on debit card variants, with higher limits available on premium cards compared to standard debit cards.
 

Factors Affecting ATM Withdrawal Limits

Several factors determine how much cash you can withdraw:
  • Type of Debit Card: Premium cards generally offer higher withdrawal limits than standard cards.
  • Type of Bank Account: Salary, premium, wealth, and business accounts may provide higher limits compared to regular savings accounts.
  • Bank Policies: Each bank has its own withdrawal rules and risk management policies.
  • Customer Relationship: Some banks may offer customised withdrawal limits to high-value customers.
 

ATM Transaction Charges

In addition to the restrictions on withdrawing money, there are other aspects, like charges on ATM transactions, which the customer needs to take care of.
The banks usually give a few free transactions per month. Once the limit is crossed, there can be additional charges that need to be paid by the bank customers. The RBI has also authorised banks to make changes in the charges related to ATM transactions.
UPI-based ATM cash withdrawals have also changed lately.
 

How to Increase ATM Withdrawal Limits?

Many banks allow customers to increase or modify withdrawal limits through:
  • Internet banking
  • Mobile banking apps
  • Customer care services
  • Branch visits
However, the maximum permissible limit depends on the debit card category and bank policy. Some customers may need to upgrade to a premium debit card to access higher withdrawal limits.
 

Tips for Managing ATM Withdrawals

  • Check your debit card withdrawal limit before making large withdrawals.
  • Use your bank's mobile app to monitor transactions.
  • Avoid multiple small withdrawals that may consume your transaction quota.
  • Keep emergency cash requirements in mind.
  • Consider digital payment options whenever possible.
 

Conclusion

The ATM cash withdrawal limits for various banks and debit card types are largely different. Although there is an average cash withdrawal limit between ₹20,000 and ₹50,000 per day for general debit cards, it is possible for premium cards to have cash withdrawal limits even more than ₹1 lakh. Knowledge of bank cash withdrawal policies would help you withdraw cash without any hassle.
Always make sure that you know about the updated cash withdrawal limit of your particular debit card.
 

FAQs

What is the maximum limit of withdrawing cash through an ATM in a day?

ATM Withdrawal limits depend on the bank and the type of debit card used. These limits vary from a minimum limit of ₹10,000 to a higher limit of ₹2 lakh or more.

Is it possible to withdraw money exceeding the ATM withdrawal limit in a day?

No, you cannot make any further withdrawals once you exceed your ATM withdrawal limit in a day.

How can I find my ATM withdrawal limit?

Your ATM withdrawal limit can be found out either through internet banking/mobile banking, or through the customer care centre or bank branch.

Are there possibilities for raising ATM withdrawal limits?

Yes, many banks allow raising of ATM withdrawal limits based on debit card type.

Is it necessary that there is a difference in ATM withdrawal limits in various debit cards?

Yes, the withdrawal limits vary according to the type of debit card used by the individual.

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