ATM Withdrawal Limits 2025: If you’re wondering “How much cash can I withdraw from an ATM in 2025?”—you’re not alone. Whether you’re planning a trip, managing business expenses, or simply handling daily spending, knowing your ATM withdrawal limits is crucial. In 2025, these limits vary depending on your bank, account type, and debit card variant. Let’s break it down in a friendly, professional, and easy-to-understand way. Understanding ATM withdrawal limits can help you avoid unexpected issues, manage your finances efficiently, and even save on extra charges. Let’s explore exactly how much cash you can withdraw per day from major Indian banks, the latest RBI rules, and some smart tips to make the most of your ATM usage.
ATM Withdrawal Limits 2025
| Bank | Basic Limit | Premium Card Limit | OTP Requirement | RBI Free Transactions | Source |
|---|---|---|---|---|---|
| SBI | ₹40,000/day | ₹1,00,000/day | Yes (>₹10,000) | 5 own / 3 metro ATMs | SBI ATM Rules |
| HDFC | ₹25,000/day | ₹3,00,000/day | Yes | 5 own / 3 metro ATMs | HDFC Guide |
| ICICI | ₹50,000/day | ₹2,50,000/day | Yes | 5 own / 3 metro ATMs | Bankbazaar |
| Axis | ₹40,000/day | ₹3,00,000/day | Yes | 5 own / 3 metro ATMs | Razorpay |
| Canara Bank | ₹75,000/day | ₹1,00,000/day | Yes | 5 own / 3 metro ATMs | Canara Guide |
ATM withdrawal limits in 2025 are clearly defined but vary greatly based on your card and bank. By understanding your card’s daily limit, sticking to RBI’s free transaction rules, and using digital banking wisely, you can manage your cash flow efficiently without unnecessary charges. Want higher limits or fewer restrictions? Consider upgrading your account or switching to a premium debit card.
What Are ATM Withdrawal Limits?
ATM withdrawal limits are maximum cash amounts that you can take out using your debit card in a 24-hour period. These are set by your bank and vary based on:
- Type of debit card (e.g., Classic, Platinum, Business)
- Type of account (e.g., Savings, Current, Premium)
- RBI and security guidelines (e.g., OTP requirement for large withdrawals)
Daily ATM Withdrawal Limits by Top Banks in India (2025)
State Bank of India (SBI)
- Classic/Maestro/Global Debit Cards: ₹40,000/day
- Gold International Debit Card: ₹50,000/day
- Platinum International Debit Card: ₹1,00,000/day
- Mastercard Debit Card: ₹25,000/day
- Platinum Mastercard: ₹75,000/day
- Business Platinum Mastercard: ₹1,00,000/day
- OTP Needed: Yes, for withdrawals above ₹10,000
HDFC Bank
- International/Women’s/NRO Cards: ₹25,000/day
- Gold/Titanium Cards: ₹50,000/day
- Titanium Royale: ₹75,000/day
- Platinum/Imperia: ₹1,00,000/day
- JetPrivilege World Card: ₹3,00,000/day
ICICI Bank
- Smart Shopper Silver: ₹50,000/day
- Expressions Debit: ₹1,25,000/day
- Coral Plus: ₹1,50,000/day
- Platinum/Titanium: ₹1,00,000/day
- Sapphiro Card: ₹2,50,000/day
Axis Bank
- RuPay Platinum/Power Salute: ₹40,000/day
- Titanium Prime/Secure Plus: ₹50,000/day
- Delight/Prestige/Sampann: ₹1,00,000/day
- Burgundy Debit Card: ₹3,00,000/day
Canara Bank
- Classic Debit: ₹75,000/day
- Platinum/Business Cards: ₹1,00,000/day
RBI Guidelines: Free ATM Transactions (Effective May 2025)
As per the Reserve Bank of India (RBI), new rules are now in effect:
- 5 free transactions per month at your own bank’s ATMs
- 3 free transactions at other bank ATMs (in metro cities)
- 5 free at other banks (in non-metro areas)
- Charge beyond free limit: Up to ₹23 + GST per transaction For official updates, visit the RBI ATM Guidelines.
Practical Advice: How to Manage ATM Withdrawals Efficiently
1. Go Digital When Possible
Use mobile banking apps or UPI platforms for fund transfers, bill payments, or checking balances to minimize ATM visits.
2. Withdraw in Larger Amounts
Rather than multiple small withdrawals, take out larger sums less frequently to avoid hitting the limit and saving on charges.
3. Track Your ATM Usage
Use SMS or app alerts to monitor how many transactions you’ve made in a month.
4. Upgrade Your Account/Card
Premium cards and accounts often come with higher limits and more free transactions—great for professionals or business owners.
FAQs on ATM Withdrawal Limits 2025
How much can I withdraw from an SBI ATM in a day?
It depends on your card. Basic cards allow up to ₹40,000, while premium cards go up to ₹1,00,000.
Do I need an OTP for ATM withdrawals?
Yes, most banks now require OTP authentication for withdrawals above ₹10,000 for security reasons.
Can I increase my ATM withdrawal limit?
Yes. Contact your bank to request a card upgrade or account change for higher limits.
What happens if I exceed the free ATM transaction limit?
You’ll be charged up to ₹23 + GST per additional transaction.
Is it safer to withdraw money digitally?
Yes. UPI, NEFT, and IMPS are safer, more convenient, and often come with no charges.
