ATM Charges In India 2025: What Customers Need To Know
The Reserve Bank of India (RBI) has set clear rules for ATM usage across the country, covering free transactions, withdrawal limits, and additional charges. While some banks like HDFC, PNB, and IndusInd have revised their fee structures, others such as SBI still follow their earlier format. Understanding these rules can help you avoid unnecessary charges and make the most of your banking.
Free ATM Transactions in India
According to RBI guidelines, customers are entitled to three free ATM transactions per month in metro cities and five free transactions in non-metro areas. These free transactions include both financial activities (such as cash withdrawals) and non-financial ones (like balance enquiries or PIN changes).
Cash Deposit and Withdrawal at ATMs
Most banks allow free cash deposits at cash recycler machines, but withdrawals beyond the free limit may attract charges depending on the bank’s policy. For instance, while SBI still follows its older charge rules, private banks have updated their fee structures to align with RBI guidelines.
Free ATM Transactions in India
According to RBI guidelines, customers are entitled to three free ATM transactions per month in metro cities and five free transactions in non-metro areas. These free transactions include both financial activities (such as cash withdrawals) and non-financial ones (like balance enquiries or PIN changes).
Cash Deposit and Withdrawal at ATMs
Most banks allow free cash deposits at cash recycler machines, but withdrawals beyond the free limit may attract charges depending on the bank’s policy. For instance, while SBI still follows its older charge rules, private banks have updated their fee structures to align with RBI guidelines.
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