When it comes to accessing your funds through a debit card, it's essential to be aware of the cash withdrawal limit. These limits, set by banks, dictate the maximum amount you can withdraw from ATMs within a specified time frame. Typically, daily limits are in place to safeguard your account and prevent unauthorised access.
These limits vary among banks and account types. Knowing how much money can be withdrawn from your bank’s ATMs is an important practice. It could help you plan your transactions effectively and avoid any inconvenience when you need cash on hand.
Here are some daily withdrawal limits set across different banks in India for debit cards:
1. State Bank of India (SBI)
SBI Bank allows its metro city cardholders 3 free withdrawals while users in other cities can enjoy up to 5 free withdrawals. Here are the daily cash withdrawal limits for some top SBI debit cards:
Name of the Card |
Cash Withdrawal Limit |
SBI Global International Debit Card |
₹40,000 |
SBI Gold International Debit Card |
₹50,000 |
SBI Platinum International Debit Card |
₹1 Lakh |
2. Punjab National Bank (PNB)
With a Punjab National Bank debit card, you can make 5 ATM cash withdrawals in a month at the base as well as non-base branches. Here are the daily cash withdrawal limits of a few PNB debit cards:
Name of the Card |
Cash Withdrawal Limit |
PNB Classic Debit Card |
₹25,000 |
PNB Gold and Platinum Debit Card |
₹1 Lakh |
3. HDFC Bank
At its ATMs, HDFC Bank allows 5 free cash withdrawals. In the case of non-HDFC Bank ATMs, the first 3 transactions are free in the top 6 cities, and 5 transactions are free in other cities.
Here are the daily cash withdrawal limits for various HDFC Bank debit cards:
Name of the Card |
Cash Withdrawal Limit |
EasyShop International Debit Card, EasyShop Woman's Advantage Debit Card, and EasyShop NRO Debit Card |
₹25,000 |
EasyShop Gold Debit Card, EasyShop Titanium Debit Card, and EasyShop International Business Debit Card |
₹50,000 |
EasyShop Titanium Royale Debit Card |
₹75,000 |
EasyShop Imperia Platinum Chip Debit Card and EasyShop Platinum Debit Card |
₹1 Lakh |
JetPrivilege HDFC Bank World Debit Card |
₹3 Lakhs |
4. ICICI Bank
ICICI Bank has over 16,000 ATMs and Cash Recycler Machines (CRMs) in India. The bank also allows debit card holders to withdraw cash from ATMs of other banks.
Here are the daily domestic cash withdrawal limits of a few top ICICI Bank debit cards:
Name of the Card |
Cash Withdrawal Limit |
Smart Shopper Silver Debit Card |
₹50,000 |
ICICI Bank Platinum Debit Card, Privilege Banking Titanium Debit Card, and NRE Debit Card |
₹1 Lakh |
Woman's Debit Card |
₹1 Lakh to ₹2 Lakhs |
Wealth Select Visa Infinite Debit Card and Private Banking Visa Infinite Debit Card |
₹1.5 Lakhs |
5. Axis Bank
With an Axis Bank debit card, you can easily withdraw cash from the bank’s 11,000+ ATMs nationwide. Here are the daily cash withdrawal limits for some of the Axis Bank debit cards:
Name of the Card |
Cash Withdrawal Limit |
Visa Classic Platinum Debit Card, RuPay Platinum Debit Card, Youth Debit Card, Smart Privilege Debit Card |
₹40,000 |
Gold Debit Card, Titanium Rewards Debit Card and Secure+ Debit Card |
₹50,000 |
Priority Debit Card |
₹1 Lakh |
6. YES Bank
Sensitive to its wide customer base, YES Bank has equipped its ATMs with voice guidance and braille keypads for visually impaired customers.
Check the daily cash withdrawal limits of YES Bank debit cards here:
Name of the Card |
Cash Withdrawal Limit |
RuPay Platinum Domestic Debit Card |
₹25,000 |
YES Prosperity Titanium Debit Card |
₹75,000 |
YES Prosperity Titanium Plus Debit Card and Prosperity Platinum Debit Card |
₹1 Lakh |
7. IndusInd Bank
IndusInd Bank offers the benefit of free unlimited cash withdrawals from any ATM across India. Here are the daily cash withdrawal limits of IndusInd Bank debit cards:
Name of the Card |
Cash Withdrawal Limit |
IndusInd Bank Platinum Debit Cards |
₹1 Lakh |
IndusInd Bank Platinum Select Debit Cards |
₹1.5 Lakhs |
IndusInd Bank Platinum Executive Debit Cards |
₹2 Lakhs |
8. Bank of Baroda
With Bank of Baroda’s 9,200+ ATMs, you can withdraw cash using your BOB debit cards whenever needed. For a smooth experience, their ATMs are equipped with a user-friendly graphic screen that provides clear instructions.
Check the daily cash withdrawal limits here:
Name of the Card |
Cash Withdrawal Limit |
Visa Classic DI Debit Card and RuPay Classic DI Debit Card |
₹25,000 |
Baroda BPCL Debit Card, MasterCard Platinum DI Debit Card and Visa Platinum DI Debit Card |
₹50,000 |
VISA Vyapaar DI Debit Card |
₹2 Lakhs |
Disclaimer: The above cash withdrawal limits are subject to change at the bank’s discretion.
Knowing a bank's cash withdrawal limit is important before you plan to withdraw cash from an ATM. This can safeguard you from financial distress in case you need immediate access to a large amount of funds. On Bajaj Markets, you can easily open a savings account and enjoy benefits like zero-balance accounts, periodic interest payouts, and more.
FAQs on Cash Withdrawal Limit of Top Banks in India
Why do financial institutions set a cash withdrawal limit?
Banks set a limit on ATM withdrawals for security and to track cash movement. It also helps ensure that they have sufficient cash to meet the liquidity needs of customers.
Can I withdraw cash through an ATM using a credit card?
Yes, you can withdraw cash through an ATM with certain credit cards. However, note that it also comes with a limit and attracts a fee as per the issuer’s policies.
How can I check the cash withdrawal limit of my bank?
You can check your cash withdrawal limit per day through the bank’s portal or the mobile banking app. You can also contact the bank to get this information.
Are there any charges for ATM withdrawals?
Yes, you need to pay ATM withdrawal charges if you go beyond the fixed cash withdrawal limit from the bank per month. According to the latest RBI guidelines, banks can charge up to ₹21 on every additional withdrawal.
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