From April 1, 2026, several banks in India are changing rules related to ATM withdrawals and UPI cash withdrawals.
Major banks like HDFC Bank, Punjab National Bank, and Bandhan Bank have announced these updates.
If you use ATMs or UPI regularly, these changes could directly affect you.
PNB Cuts Daily ATM Withdrawal Limits
Punjab National Bank has reduced daily ATM withdrawal limits for several debit cards.
Here’s what has changed:
Cards with ₹1 lakh limit → Now reduced to ₹50,000 per day
Cards with ₹1.5 lakh limit → Now reduced to ₹75,000 per day
These changes apply to many popular cards like RuPay Platinum, Visa Gold, and Mastercard Platinum.
The bank says this move is aimed at:
Improving security
Reducing fraud risks
Promoting safer banking
Good news:
There is no change in POS, online, or contactless payment limits.
HDFC Bank: UPI ATM Withdrawals Will Now Be Charged
HDFC Bank is introducing an important change for UPI users.
From April 1:
UPI-based ATM withdrawals will be counted under your monthly free transaction limit
After the free limit is used, you will be charged ₹23 + taxes per transaction
UPI ATM withdrawals allow you to:
Withdraw cash without a debit card
Simply scan a QR code and approve via UPI
While this is convenient, it may now cost you if you exceed free limits.
Bandhan Bank Changes Free ATM Transaction Limits
Bandhan Bank has revised the number of free ATM transactions.
At Bandhan Bank ATMs:
5 free financial transactions per month
Unlimited non-financial transactions (like balance check)
At Other Bank ATMs:
3 free transactions in metro cities
5 free transactions in non-metro cities
Metro cities include:
Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, and New Delhi
What You Should Do Now
With these new rules coming in, it’s important to plan your transactions wisely.
Keep track of your monthly ATM usage
Avoid unnecessary withdrawals
Use digital payments when possible
Check your bank’s updated limits
Final Takeaway
These changes are aimed at improving security and managing usage, but they may also increase costs for some users.
If you frequently use ATMs or UPI withdrawals, staying aware of these new rules can help you avoid extra charges and manage your money better.
