11.PNB RuPay Select Excel.
12.VISA Signature Debit card.
13.MasterCard Business Debit card
All other debit card variations (aside from those listed in the above table) will have the same ATM cash withdrawal limit. Customers can use Internet banking, the PNBOne mobile banking app, IVRs, or WhatsApp banking to set or reset their ATM cash withdrawal limit within the updated limits. According to PNB, transaction limits for POS (Point of Sale), E-Commerce, and Contactless Channel have not changed.
HDFC Bank UPI ATM withdrawals rules from 1 April 2026
HDFC Bank, a private sector lender, has declared that starting on April 1, 2026, customers’ monthly free ATM transaction limits will include cash withdrawals made using Unified Payment Interface (UPI) at ATMs and CRMs.
Customers who use UPI to withdraw cash will be charged Rs 23 + taxes after their free limit has been reached. For comprehensive information on ATM transaction fees, HDFC Bank has advised its clients to visit the relevant product area on its website. Cardless ATM withdrawals are now possible thanks to UPI, which improves accessibility and convenience by enabling customers to take out cash by scanning a QR code and approving transactions through UPI apps.
Bandhan Bank ATM withdrawals rules from 1 April 2026
The number of free ATM transactions on your account has been revised by Bandhan Bank.
According to current regulations, the number of free transactions at ATMs using debit cards connected to Bandhan Bank Accounts will be adjusted starting on April 1, 2026, according to the bank.
The following is the total number of free transactions made at Bandhan bank ATMs per month:
A. 5 free transactions- financial, and
B. Unlimited free transactions- non-financial, and
The following is the total number of free transactions (financial and non-financial) made at other bank ATMs per month:
A. 3 free transactions in metro cities, and
B. 5 free transactions in non-metro cities.
Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, and New Delhi are examples of metropolitan areas. Other than these six cities, all other cities will be regarded as non-metropolitan.
FAQs – ATM & UPI Withdrawal Rules from April 1, 2026
Q1. Which banks have changed their ATM withdrawal rules?
👉 Punjab National Bank, HDFC Bank, and Bandhan Bank have announced new rules effective April 1, 2026.
Q2. What changes has Punjab National Bank introduced?
👉 PNB has reduced daily ATM withdrawal limits for selected debit cards:
₹1 lakh → ₹50,000
₹1.5 lakh → ₹75,000
👉 Limits for other cards remain unchanged.
Q3. Have POS or online transaction limits changed in PNB?
👉 No, POS (Point of Sale), e-commerce, and contactless transaction limits remain unchanged.
Q4. What is the new UPI ATM withdrawal rule in HDFC Bank?
👉 UPI-based cash withdrawals at ATMs will now be counted within the monthly free transaction limit.
Q5. What are the charges after exceeding the free limit in HDFC Bank?
👉 After crossing the free limit:
Q6. How can customers withdraw cash using UPI at ATMs?
👉 Customers can:
Scan the QR code at the ATM
Approve the transaction via a UPI app
Withdraw cash without using a debit card
Q7. What changes has Bandhan Bank made?
👉 Bandhan Bank has revised the number of free ATM transactions:
At Bandhan Bank ATMs:
Q8. What are the free transaction limits at other bank ATMs for Bandhan Bank users?
👉
Q9. Which cities are considered metro cities?
👉 Metro cities include:
New Delhi
Mumbai
Kolkata
Chennai
Bengaluru
Hyderabad
Q10. Can customers change their ATM withdrawal limits?
👉 Yes, customers can modify their limits using:
Internet banking
Mobile banking apps
IVR services
WhatsApp banking
Conclusion
👉 From April 1, 2026, banking rules are becoming stricter—especially for ATM withdrawals and UPI-based transactions.
👉 Customers should adjust their usage to avoid extra charges and stay within free limits.
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