ATM Withdrawal Limit: SBI, HDFC, ICICI & More

Have you ever rushed to an ATM only to find out you can’t withdraw as much cash as you need? It’s frustrating, right? That’s where understanding ATM withdrawal limits comes in handy. These limits are set by banks to keep your money safe and manage cash flow. In India, most banks allow you to pull out between Rs. 10,000 and Rs. 2,00,000 per day, but it really depends on your bank, the type of debit card you have, and even where you’re withdrawing the money. Premium cards can go as high as Rs. 10,00,000 in some cases. With recent updates from the Reserve Bank of India (RBI) in 2025, including higher charges for extra transactions, it’s more important than ever to know these details. This guide will break it all down in simple terms, with examples and tips to help you avoid surprises.

Let’s start with the basics. Knowing your limit helps you plan better, whether it’s for daily expenses, emergencies, or big purchases. For instance, if you’re planning a family trip and need cash for travel, exceeding your limit could mean multiple trips to the ATM or even fees. Banks set these rules to prevent fraud and ensure there’s enough cash for everyone. Plus, with digital payments on the rise, cash withdrawals are still essential for many people in rural areas or for small vendors who prefer notes.

What is an ATM Withdrawal Limit?

Simply put, an ATM withdrawal limit is the highest amount of cash you can take out from your bank account using an ATM in a set time frame, usually a day. This applies to savings and current accounts. Banks decide these limits based on a few key things. First, the bank itself plays a role—public sector banks like SBI might have different rules compared to private ones like HDFC or ICICI. Second, your debit card type matters a lot. Basic cards have lower limits for safety, while premium ones offer more flexibility for high-net-worth customers.

Third, location makes a difference. Domestic withdrawals (within India) often have higher limits than international ones, where currency conversion and extra fees kick in. For example, if you’re traveling abroad, your daily limit might drop to the equivalent of Rs. 50,000 to Rs. 1,00,000, depending on the card. Also, there’s a difference between per-transaction and per-day limits. Per-transaction means how much you can withdraw in one go—often Rs. 10,000 to Rs. 40,000 because ATMs can only dispense so many notes at once. The per-day limit is the total for 24 hours.

Why do these limits exist? Mainly for security. If someone steals your card, they can’t empty your account in one shot. It also helps banks manage cash reserves at ATMs. According to RBI guidelines, banks must balance convenience with safety. In 2025, with rising cyber threats, some banks have tightened international limits but kept domestic ones steady.

ATM Withdrawal Limit Per Day 

The daily ATM withdrawal limit is the total cash you can get in a single day, resetting at midnight or based on your bank’s policy. For most Indian banks, this ranges from Rs. 20,000 to Rs. 50,000 for standard accounts. But if you have a premium account or card, it can jump to Rs. 1,00,000 or more. Your account type—savings, salary, or senior citizen—can influence this too. For salary accounts, limits are often higher to match monthly inflows.

Take a real-life example. Suppose you’re a freelancer with a basic savings account at a public bank. Your daily limit might be Rs. 25,000. If you need Rs. 40,000 for a home repair, you’d have to split it over two days or visit a branch for a larger withdrawal. On the other hand, a business owner with a platinum card could withdraw Rs. 1,00,000 in one day without issues. International limits are usually lower; for instance, SBI caps it at Rs. 1,00,000 for platinum cards abroad, but with currency fees added.

Remember, using another bank’s ATM might count toward your free transactions, and exceeding them leads to charges. More on that later.

Maximum ATM Withdrawal Limits by Bank

Different banks have their own rules, and limits vary by debit card type. Here’s a detailed look at some top banks in India, based on the latest 2025 data. I’ve included more examples than usual to give you a clear picture. Note that these can change, so always check with your bank.

To make it easy, let’s use a table for comparison:

State Bank of India (SBI)

As one of the leading banks in India, the State Bank of India (SBI) provides a diverse array of services to its clients, including ATM withdrawals. The daily withdrawal limit for SBI ATMs is as follows:

• If you possess a Maestro Debit Card or Classic Debit Card, you can take out a maximum of Rs. 40,000 each day.
• If your account is connected to In Touch or SBI Go, the daily withdrawal limit is Rs. 40,000.
• For SBI Platinum International Debit Cards, the maximum withdrawal limit is Rs. 1,00,000 each day.

Nonetheless, these restrictions might vary based on your SBI account category and the debit card’s terms and conditions. The bank might alter the limits occasionally, so it’s important to verify with SBI frequently to stay updated on the current limits.

HDFC Bank

HDFC Bank ranks among the largest and leading private banks in India. The bank provides a range of services, such as cash withdrawals from ATMs. Here are the daily withdrawal limits for different HDFC cards at ATMs:

• If your HDFC account is linked to International, Woman’s Advantage, or NRO Debit Cards, you can withdraw up to Rs. 25,000 each day.
• For International Business, Titanium or Gold Debit Cards associated with your account have a daily withdrawal limit of Rs. 50,000 every day.
• If your account is associated with a Titanium Royale Debit Card, the daily withdrawal limit is Rs. 75,000.
• The daily withdrawal limit for Platinum and Imperia Platinum Chip Debit Cards is Rs. 1,00,000.
• If your account is linked to a JetPrivilege HDFC Bank World Debit Card, you can take out Rs. 3,00,000 each day.

Canara Bank

With Canara Bank’s debit card, you have the ability to withdraw cash anytime and from anywhere, based on your choice. Nonetheless, there are upper restrictions on the quantity you can take out each day. Here are the daily ATM withdrawal limits for various Canara Bank cards.

• If you have a Canara Bank Classic RuPay, Visa, or Standard Mastercard Debit Card, you are allowed to withdraw a maximum of Rs. 75,000 each day.
• If you possess a Platinum or Mastercard Business Debit Card associated with your Canara bank account, the bank allows you to withdraw Rs. 1,00,000 daily from the ATM.

ICICI Bank

 ICICI Bank offers a range of debit cards to its clients, facilitating smooth and convenient transactions.

• The limit for withdrawals for users of the ICICI Bank Coral Plus Debit Card is Rs. 1,50,000 each day.
• If your account is connected to an ICICI Expression, Platinum or Titanium Debit Card, the daily withdrawal limit stands at Rs. 1,00,000.
• The daily withdrawal limit for the ICICI Smart Shopper Silver Debit Card is Rs. 50,000 via ATMs.
• Holding an ICICI Bank Sapphiro Debit Card allows you to withdraw a maximum of Rs. 2,50,000 each day.

Axis Bank

Axis Bank is a significant private bank in India providing various kinds of debit cards to its clients. It allows you to retrieve funds at any time and from any location. Below are the various daily ATM withdrawal limits for different kinds of Axis Bank cards –

• If you possess a RuPay Platinum or Power Salute Debit Card, you are able to withdraw Rs. 40,000 each day.
• For Liberty, Online Rewards, Rewards Plus, Secure Plus, Titanium Rewards, and Titanium Prime Debit Cards, the daily cash withdrawal limit is Rs. 50,000.
• If you possess a Priority, Prestige, Delight, or Value Plus Debit Card, you are able to withdraw Rs. 1,00,000 each day.
• The daily withdrawal limit for the Axis Bank Burgundy Debit Card is Rs. 3,00,000.

Punjab National Bank (PNB)

Punjab National Bank is the first Swadeshi Bank in India, providing a variety of services and products. A primary feature is enabling customers to withdraw money from their bank accounts using ATMs.

Below are the daily ATM withdrawal limits for each debit card issued by Punjab National Bank:

• If your bank account is associated with RuPay NCMC Classic, Visa Classic, or Mastercard Classic Debit Card, you can take out a maximum of Rs. 25,000 each day from the ATM.
• The RuPay NCMC Platinum Domestic, RuPay NCMC Platinum International, RuPay Women Power Platinum, RuPay Business Platinum NCMC, Visa Gold, and Mastercard Platinum Debit Cards allow a daily withdrawal limit of Rs. 1,00,000.
• For RuPay Select, Visa Signature, and Mastercard Business Debit Cards, the ATM daily withdrawal limit is Rs. 1,50,000.

Bank of Baroda 

The Bank of Baroda is another leading bank in India that has a strong presence. Similar to other banks, Bank of Baroda imposes restrictions on the daily withdrawal limit. Below are the daily ATM withdrawal limits for different ATM cards of Bank of Baroda:

• If you possess World Agniveer, RuPay Qsparc NCMC, RuPay Platinum DI, Mastercard DI Platinum, or BPCL Debit Card, the daily withdrawal cap is Rs. 50,000.
• For a RuPay Classic DI or Mastercard Classic DI Debit Card linked to your account, you are allowed to withdraw Rs. 25,000 each day.
• If you have a RuPay Select DI Debit Card, you are able to withdraw Rs. 1,50,000 daily from the ATM.

Federal Bank

Federal Bank is a private bank providing services in urban and rural regions across India. They provide suitable products and services to their clients, which encompasses cash withdrawals from ATMs.

The subsequent amounts represent the cash withdrawal limits for different Federal Bank debit cards:

• The FedFirst Contactless Debit Card allows a daily cash withdrawal limit of Rs. 2,500.
• With a RuPay Crown Debit Card connected to your account, you can withdraw Rs. 25,000 each day.
• The RuPay Platinum Contactless, Mastercard Crown Contactless, Visa Imperio Business Contactless, and Visa Crown Contactless Debit Cards allow a daily cash withdrawal of Rs. 50,000.
• For the Mastercard Imperio Personal Contactless Debit Card, the daily withdrawal maximum is Rs. 75 thousand.
• The Celesta Business Contactless, Visa Celesta Contactless, Visa Imperio Contactless, and Mastercard Celesta Contactless Debit Card permit a maximum daily withdrawal of Rs. 1,00,000 daily.

Kotak Bank

Kotak Bank is the initial Indian non-banking finance firm to transition into a bank. It serves both corporate and retail clients by providing a variety of products and services.

A key aspect is allowing customers to take out cash from their savings accounts. A list of the daily ATM withdrawal limits for each Kotak Bank debit card is provided here:

• The Kotak Junior Debit Card allows for a daily cash withdrawal of Rs. 5,000 withdrawn from cash machines.
• If your account is associated with a RuPay Debit Card or Classic One Debit Card, the daily withdrawal cap is Rs. 10,000.
• For 811 Dream Different and Easy Pay Debit Cards, the daily maximum withdrawal limit is Rs. 25,000.
• If you have a Silk Platinum, RuPay India, or PayShopMore Debit Card, you are able to withdraw Rs. 40,000 each day.
• The Jifi Platinum Edge and Pro, Business Class Gold, and Business Power Platinum Edge, Pro, and Elite allow a daily withdrawal limit of Rs. 50,000.
• For the Access India Debit Card, the ATM withdrawal limit per day is Rs. 75,000.
• The PVR, Signature Pro, Nation Builders, Gold, Jifi Platinum Ace, Platinum Edge, Pro, and Ace Debit Cards all have a daily withdrawal limit set at Rs. 1,00,000.
• If you possess a Privy League Platinum, World, Business Power Platinum Ace, and Astra Debit Card, you can withdraw Rs. 1,50,000 each day.
• For Privy League Neon, Privy League Platinum (LED), and Privy League Signature Debit Cards, the maximum daily withdrawal amount is Rs. 2,00,000.
• The Privy League Black and Infinite Debit Cards feature a daily withdrawal cap of Rs. 2,50,000.

These limits help prevent overuse, but if you need more, contact your bank.

ATM Withdrawal Charges in 2025

Charges are a big part now. Per RBI rules effective May 1, 2025, banks can charge up to Rs. 23 per transaction beyond free limits . Free transactions: 5 per month at your bank’s ATMs (often unlimited for own), and 3 in metro/5 in non-metro at other banks . After that, Rs. 20-23 plus GST.

Example: If you withdraw from HDFC ATM using ICICI card in Mumbai (metro), after 3 free, it’s Rs. 23 each time. For own bank, SBI might offer unlimited free, but check. International: Rs. 100-150 plus 3% conversion.

How to Check and Increase Your Limit

Check via app, net banking, or call customer care. To increase, visit branch with ID or request online for premium upgrades. Banks review your account history.

Examples and Tips

Scenario 1: Wedding season—you need Rs. 80,000. With SBI platinum (Rs. 1,00,000 limit), you’re good. But with classic (Rs. 40,000), split over days.

Scenario 2: Emergency medical bill. Use a high-limit card to avoid delays.

Tips: Use UPI for small payments, monitor transactions, enable alerts, avoid peak hours for ATMs.

In conclusion, ATM limits keep things secure while giving flexibility. Stay informed, plan ahead, and you’ll handle cash needs smoothly.