Beginning April 1, 2026, several major Indian banks are introducing significant changes to their ATM usage policies, a move that will directly impact how customers access cash and manage their transactions. HDFC Bank, Punjab National Bank (PNB), and Bandhan Bank have all announced adjustments to their fee structures and daily withdrawal limits. These modifications aim to streamline services but will require customers to be more mindful of their cash needs and transaction frequency to avoid unexpected charges.

HDFC Bank is notably bringing UPI-based ATM cash withdrawals under its standard free transaction limit. Previously, these withdrawals were treated separately. Now, exceeding the allotted free transactions, whether through a physical card or UPI, will incur a fee of ₹23 plus applicable taxes for each additional withdrawal. This change means customers must factor UPI cash outs into their monthly free transaction count.

Punjab National Bank is implementing reductions in daily cash withdrawal limits for a range of its debit cards. Some standard cards will see their daily limit slashed from ₹1 lakh to ₹50,000. Even premium cardholders will experience a decrease, with their daily withdrawal ceiling lowered from ₹1.5 lakh to ₹75,000. This adjustment may necessitate multiple trips to the ATM for individuals needing to withdraw larger sums.

Bandhan Bank is also revising its ATM policies for its customers, establishing clear limits for free transactions. Account holders will receive five free financial transactions per month at Bandhan Bank ATMs. For non-Bandhan ATMs, customers in metro cities will get three free transactions, while those in non-metro locations will receive five. Post these limits, charges will apply, with ₹23 for financial transactions and ₹10 for non-financial ones.

Further complicating ATM use, Bandhan Bank will impose a ₹25 charge for any transaction that fails due to insufficient funds in the account. Metro cities are defined as Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, and New Delhi, with all other urban centers falling under the non-metro category. These overlapping policy updates across major financial institutions signal a shift in how banks are managing ATM services and customer accessibility to cash.