HDFC Bank, Punjab National Bank (PNB) and Bandhan Bank revise ATM withdrawal limits and fees effective 1 April 2026.

Key facts

• HDFC Bank will count UPI-based cash withdrawals at its ATMs towards the monthly free ATM transaction limit from 1 April 2026.
• After exceeding the free limit HDFC Bank will charge Rs 23 plus applicable taxes per transaction for UPI cash withdrawals.
• Punjab National Bank (PNB) reduced the daily ATM cash withdrawal limit from Rs 1,00,000 to Rs 50,000 for RuPay NCMC Platinum Domestic Debit card, RuPay NCMC Platinum International Debit card, RuPay Women Power Platinum Debit card, RuPay PNB Palaash Debit card-Recycled PVC Debit card, RuPay Business Platinum NCMC Debit card, MasterCard Platinum Debit card, VISA Gold Debit card and PNB MasterCard Platinum Rise effective 1 April 2026.
• PNB also reduced the daily ATM cash withdrawal limit from Rs 1,50,000 to Rs 75,000 for RuPay Select Debit card, PNB RuPay Select Neo, PNB RuPay Select Excel, VISA Signature Debit card and MasterCard Business Debit card effective 1 April 2026.
• Bandhan Bank will allow up to five free financial transactions and unlimited non-financial transactions per month at its own ATMs from 1 April 2026.
• Bandhan Bank caps free transactions at other bank ATMs at three per month in metro cities and five per month in non-metro cities covering both financial and non-financial transactions combined from 1 April 2026.
• Metro cities for Bandhan Bank include Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai and New Delhi.
• Bandhan Bank will charge Rs 23 per financial transaction and Rs 10 per non-financial transaction once free limits are exceeded from 1 April 2026.
• Bandhan Bank will levy Rs 25 for ATM transaction declines due to insufficient funds from 1 April 2026.