Punjab National Bank · statement narration
ATM DECLINE FEE
Also printed as: ATM DECLINE CHG · ATM FAILED TXN · DECLINE CHARGES
Decoded
A charge when an ATM withdrawal is declined for insufficient balance.
Hinglish meinBalance kam hone par ATM se paisa nikaalne ki koshish fail hone par lagta hai.
- You pay, incl. GST
You pay, incl. GST, Retail Banking Service Charges
From Punjab National Bank — Non-Credit Related Service Charges
Verified
- Retail Banking Service Charges
ATM DECLINE FEE on your Punjab National Bank statement — A charge when an ATM withdrawal is declined for insufficient balance. The charge is ₹11.80, including 18% GST.
Read from Punjab National Bank — Non-Credit Related Service Charges on 2026-09-06.
What it costs, including GST1 rule · rate table, conditions and waiver
Retail Banking Service Charges · ATM
₹11.80
₹10.00 before tax
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Punjab National Bank cards; an ATM cash withdrawal that fails for insufficient funds. The page states this applies with effect from 01-05-2023. Charges are exclusive of GST wherever applicable.
Why it happened and how to avoid it
Why it happened
An ATM withdrawal was attempted without enough balance in the account.
How to avoid it
Check your balance in the app before using the ATM rather than at the machine itself.
Dispute this chargeRBI dispute template, ready to copy
Official source1 document
- Punjab National Bank — Non-Credit Related Service Charges
Retrieved 2026-09-06
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