ATM Withdrawal Rule Changes Kick In Today: HDFC, PNB, Bandhan Revise Limits, Charges, UPI Impact

From 1 April 2026, several major banks are changing ATM rules, affecting withdrawal limits, free transactions, and related charges. Customers of HDFC Bank, Punjab National Bank, and Bandhan Bank will see revised conditions on both cash withdrawals and non-financial transactions at ATMs across India.

The new rules link UPI ATM usage with regular withdrawals, trim daily limits on some debit cards, and narrow free transaction quotas at many machines. Account holders who use ATMs often may face higher costs unless cash needs are planned more carefully under the updated structures.

ATM rules and withdrawal limits at HDFC Bank

HDFC Bank will treat UPI-based cash withdrawals at ATMs as part of the normal free transaction quota from 1 April. UPI cash withdrawals and card withdrawals will share the same monthly free limit, which is usually five transactions. After that threshold, HDFC Bank will levy Rs 23 per transaction plus applicable taxes.

ATM rules and withdrawal limits for PNB customers

Punjab National Bank is cutting daily ATM withdrawal ceilings on several debit card types from 1 April 2026. Cards that earlier allowed withdrawals up to Rs 1,00,000 per day will now be capped at Rs 50,000. Premium cards with a previous Rs 1,50,000 limit will now have a Rs 75,000 daily cap.

According to Punjab National Bank, these revised limits will apply across a range of RuPay, Visa, and Mastercard debit card variants. Customers who often withdraw higher cash amounts in a single day may therefore need to adjust withdrawal patterns or use multiple channels for larger requirements.

ATM rules and withdrawal limits at Bandhan Bank

Bandhan Bank is also changing ATM rules, especially for transactions done at other banks’ machines. At Bandhan Bank ATMs, customers will continue to get up to five free financial transactions each month, while non-financial transactions at these machines will remain without any numerical limit for now.

For transactions at other bank ATMs, Bandhan Bank will limit customers to three free combined transactions each month in metro cities and five in non-metro locations. Once that combined quota is used, each financial transaction will cost Rs 23, while each non-financial transaction will attract a Rs 10 charge from the bank.

Bandhan Bank will also impose a Rs 25 penalty on failed ATM attempts caused by insufficient balance. With UPI ATM withdrawals now counted in free limits at HDFC Bank, lower daily caps on PNB cards, and tighter free quotas at Bandhan Bank, frequent ATM users may need closer tracking of withdrawals to avoid extra costs and manage cash usage more efficiently. Moneycontrol.com states that the views and investment tips shared by experts on the platform are those of the experts and not of the website or its management, and advises users to consult certified professionals before making investment decisions.