ATM charges

Financial — Axis/non-Axis ATM — After applicable free limit: ₹23.00 · Non-financial — Axis/non-Axis ATM — After free limit, through 30 combined monthly transactions: ₹10.00 · Non-financial — non-Axis ATM — After 30 combined monthly transactions: ₹21.00

When this charge applies

Axis New Easy Access Savings Account (fee-master selected value 57, labelled Wef 15Th Feb 2025). First 5 financial transactions free at Axis ATMs; non-Axis first 3 combined transactions free in six metros, first 5 elsewhere. After 30 combined monthly transactions, non-Axis non-financial fee is Rs21. No post-30 Axis non-financial figure is inferred.

Financial transaction: ₹23.00 · Non-financial transaction: ₹12.00

When this charge applies

Federal Bank cards used at other banks' ATMs, beyond the applicable free-transaction limit. This record carries the per-transaction charges only; the free-transaction counts are not stated here and are not inferred. GST is additional.

₹0 (Free)

When this charge applies

Federal Bank cards used at Federal Bank's own ATMs.

HDFC Bank ATM — Financial: ₹23.00 · HDFC Bank ATM — Non-financial: ₹0.00 · Non-HDFC Bank ATM — Financial: ₹23.00 · Non-HDFC Bank ATM — Non-financial: ₹8.50

When this charge applies

Regular Savings Account. HDFC Bank ATMs provide 5 free transactions per month; non-HDFC ATMs provide 3 free transactions in six metros and 5 elsewhere. These amounts apply after the relevant free limit. Ordinary non-senior Regular Savings pricing only; excludes Senior Citizen pricing, the above-80 waiver, Speciale Senior Citizen and other special-product waivers. Non-HDFC monthly free transactions are capped at five overall, including at most three in metros; excludes cardless cash withdrawal.

ICICI Bank ATM — Financial: ₹23.00 · ICICI Bank ATM — Non-financial: ₹0.00 · Non-ICICI Bank ATM — Financial: ₹23.00 · Non-ICICI Bank ATM — Non-financial: ₹8.50

When this charge applies

New/migrated Savings Account. At ICICI ATMs, charges apply after 5 financial transactions and all non-financial transactions remain free. At non-ICICI ATMs, first 3 combined transactions are free in six metros and first 5 elsewhere, subject to a maximum 5 free across locations. Ordinary Regular Savings accounts opened from 01-Aug-2025 or recently migrated to the current products; excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account SOCs, and programme-specific benefits.

₹15.00

When this charge applies

Indian Bank cards where an ATM or BNA withdrawal is declined for insufficient balance, at Indian Bank's own ATMs and at other banks' ATMs alike. GST is additional.

Financial transaction: ₹150.00 · Non-financial transaction: ₹20.00

When this charge applies

Indian Bank Master, VISA and RuPay cards used at international ATMs. GST is additional.

3 free transactions a month at metro locations, counting financial and non-financial together; Rs 23 per financial transaction thereafter (₹23.00 per financial transaction after 3 free)

When this charge applies

Indian Bank cards used at other banks' domestic ATMs at metro locations. The schedule defines metro for this row as other-bank ATMs in Delhi, Mumbai, Chennai, Hyderabad, Kolkata and Bengaluru. The free count includes financial and non-financial transactions together and is repeated on both rules for this area because the schedule states it once for both. GST is additional.

3 free transactions a month at metro locations, counting financial and non-financial together; Rs 11 per non-financial transaction thereafter (₹11.00 per non-financial transaction after 3 free)

When this charge applies

Indian Bank cards used at other banks' domestic ATMs at metro locations. The schedule defines metro for this row as other-bank ATMs in Delhi, Mumbai, Chennai, Hyderabad, Kolkata and Bengaluru. The free count includes financial and non-financial transactions together and is repeated on both rules for this area because the schedule states it once for both. GST is additional.

5 free transactions a month at non-metro locations, counting financial and non-financial together; Rs 23 per financial transaction thereafter (₹23.00 per financial transaction after 5 free)

When this charge applies

Indian Bank cards used at other banks' domestic ATMs at non-metro locations. Non-metro is every location outside the six cities the schedule names for the metro row. The free count includes financial and non-financial transactions together and is repeated on both rules for this area because the schedule states it once for both. GST is additional.

5 free transactions a month at non-metro locations, counting financial and non-financial together; Rs 11 per non-financial transaction thereafter (₹11.00 per non-financial transaction after 5 free)

When this charge applies

Indian Bank cards used at other banks' domestic ATMs at non-metro locations. Non-metro is every location outside the six cities the schedule names for the metro row. The free count includes financial and non-financial transactions together and is repeated on both rules for this area because the schedule states it once for both. GST is additional.

Five free transactions a month, financial and non-financial combined; Rs 15 per cash withdrawal thereafter (₹15.00 per cash withdrawal after 5 free)

When this charge applies

Indian Bank cards used at Indian Bank's own ATMs. The schedule states one free limit of five transactions a month counting financial and non-financial transactions together; that single limit is repeated on both rules because the schedule states it once for both. GST is additional.

Five free transactions a month, financial and non-financial combined; Rs 6 per non-financial transaction thereafter (₹6.00 per non-financial transaction after 5 free)

When this charge applies

Indian Bank cards used at Indian Bank's own ATMs. The schedule states one free limit of five transactions a month counting financial and non-financial transactions together; that single limit is repeated on both rules because the schedule states it once for both. GST is additional.

₹23.00

When this charge applies

Indian Overseas Bank customers at other banks' ATMs: 3 free transactions a month in the six metros (Chennai, Mumbai, Delhi, Hyderabad, Kolkata, Bangalore) and 5 elsewhere, financial and non-financial together; Rs 23 per transaction beyond that. Several IOB schemes get more free transactions. GST is additional; the schedule is stated excluding GST.

₹23.00

When this charge applies

Nainital Bank savings/customer ATM usage after the applicable monthly free-transaction entitlement; this rule records the current Rs23 financial-transaction charge, not the free-limit count itself.

₹23.00

When this charge applies

Punjab National Bank accounts other than savings, at other banks' ATMs. The page states every transaction is chargeable from the first, so no free count is stored. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

₹11.00

When this charge applies

Punjab National Bank accounts other than savings, at other banks' ATMs, non-financial transactions. The page states every transaction is chargeable from the first, so no free count is stored. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

₹0 (Free)

When this charge applies

Punjab National Bank customers making non-financial transactions at PNB's own ATMs. The page states these are free and sets no monthly count, so none is stored.

Five free successful financial transactions per month at PNB's own ATMs, then Rs 10 per transaction. (₹10.00 per successful financial transaction after 5 free)

When this charge applies

Punjab National Bank current accounts at PNB's own ATMs, at metro and non-metro locations alike; the page states the same free count and the same charge for both. Staff and ex-staff, cards issued in basic savings accounts, defence personnel and pensioners are exempt from the Rs 10 charge. Charges are exclusive of GST wherever applicable.

₹10.00

When this charge applies

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.

₹25.00

When this charge applies

Punjab National Bank debit cards used for a balance enquiry at an ATM abroad. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Cash withdrawal: ₹50.00 · Balance enquiry: ₹10.00

When this charge applies

At Bhutan ATMs other than Druk Bank, under RMA, for RuPay international cards. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Cash withdrawal: ₹12.00 · Balance enquiry: ₹2.00

When this charge applies

At Druk Bank ATMs in Bhutan, for all PNB international debit cards. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Cash withdrawal: ₹50.00 · Balance enquiry: ₹15.00

When this charge applies

At EBL ATMs in Nepal; the page states both figures as flat charges. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

₹150.00

When this charge applies

All other international transactions on a PNB debit card, outside the Bhutan and Nepal networks the page prices separately. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Three free transactions per month at other banks' ATMs at metro locations, then Rs 23 per financial transaction. (₹23.00 per transaction after 3 free)

When this charge applies

Punjab National Bank savings accounts at other banks' ATMs at metro locations. The page defines metro locations as Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. The free monthly count is one pool covering financial and non-financial transactions together, not a separate allowance for each. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Three free transactions per month at other banks' ATMs at metro locations, then Rs 11 per non-financial transaction. (₹11.00 per transaction after 3 free)

When this charge applies

Punjab National Bank savings accounts at other banks' ATMs at metro locations, non-financial transactions. The page defines metro locations as Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. The free monthly count is one pool covering financial and non-financial transactions together, not a separate allowance for each. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Five free transactions per month at other banks' ATMs at non-metro locations, then Rs 23 per financial transaction. (₹23.00 per transaction after 5 free)

When this charge applies

Punjab National Bank savings accounts at other banks' ATMs at non-metro locations. The page defines metro locations as Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. The free monthly count is one pool covering financial and non-financial transactions together, not a separate allowance for each. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Five free transactions per month at other banks' ATMs at non-metro locations, then Rs 11 per non-financial transaction. (₹11.00 per transaction after 5 free)

When this charge applies

Punjab National Bank savings accounts at other banks' ATMs at non-metro locations, non-financial transactions. The page defines metro locations as Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. The free monthly count is one pool covering financial and non-financial transactions together, not a separate allowance for each. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Five free successful financial transactions per month at PNB's own ATMs, then Rs 10 per transaction. (₹10.00 per successful financial transaction after 5 free)

When this charge applies

Punjab National Bank savings accounts at PNB's own ATMs, at metro and non-metro locations alike; the page states the same free count and the same charge for both. Staff and ex-staff, cards issued in basic savings accounts, defence personnel and pensioners are exempt from the Rs 10 charge. Charges are exclusive of GST wherever applicable.

Five free transactions per month at metro and non-metro locations; Rs 23 per financial transaction beyond the free limit (₹23.00 per financial transaction after 5 free)

When this charge applies

RBL Bank savings accounts on the standard schedule; financial transactions at other banks' domestic ATMs. The schedule states one free limit of five transactions per month at metro and non-metro locations for other-bank ATM usage; that limit is repeated on the non-financial rule because the schedule states it once for both. Seniors First and RBL Rise/Imperium have a larger free limit and carry their own product rules. Taxes are additional.

Five free transactions per month at metro and non-metro locations; Rs 9.50 per non-financial transaction beyond the free limit (₹9.50 per non-financial transaction after 5 free)

When this charge applies

RBL Bank savings accounts on the standard schedule; non-financial transactions at other banks' domestic ATMs. The schedule states one free limit of five transactions per month at metro and non-metro locations for other-bank ATM usage; that limit is repeated on the financial rule because the schedule states it once for both. Seniors First and RBL Rise/Imperium have a larger free limit and carry their own product rules. Taxes are additional.

Ten free transactions per month; Rs 23 per financial transaction beyond the free limit (₹23.00 per financial transaction after 10 free)

When this charge applies

RBL Bank Imperium Savings Account, named RBL Rise/Imperium on the schedule only; financial transactions at other banks' domestic ATMs. The schedule raises the free limit to ten transactions per month for this product; the per-transaction charge beyond it is the same as on the standard schedule. Taxes are additional.

Ten free transactions per month; Rs 9.50 per non-financial transaction beyond the free limit (₹9.50 per non-financial transaction after 10 free)

When this charge applies

RBL Bank Imperium Savings Account, named RBL Rise/Imperium on the schedule only; non-financial transactions at other banks' domestic ATMs. The schedule raises the free limit to ten transactions per month for this product; the per-transaction charge beyond it is the same as on the standard schedule. Taxes are additional.

Ten free transactions per month; Rs 23 per financial transaction beyond the free limit (₹23.00 per financial transaction after 10 free)

When this charge applies

RBL Bank Seniors First Savings Account only; financial transactions at other banks' domestic ATMs. The schedule raises the free limit to ten transactions per month for this product; the per-transaction charge beyond it is the same as on the standard schedule. Taxes are additional.

Ten free transactions per month; Rs 9.50 per non-financial transaction beyond the free limit (₹9.50 per non-financial transaction after 10 free)

When this charge applies

RBL Bank Seniors First Savings Account only; non-financial transactions at other banks' domestic ATMs. The schedule raises the free limit to ten transactions per month for this product; the per-transaction charge beyond it is the same as on the standard schedule. Taxes are additional.

₹26.00

When this charge applies

UCO Bank cards used for a balance enquiry at ATMs abroad on the VISA network. Charges are exclusive of GST.

₹94.00

When this charge applies

UCO Bank cards used for cash withdrawal at ATMs abroad on the VISA network. The schedule levies Rs 94 per transaction and, on top of it, a currency conversion charge of 2% per transaction; only the flat amount is stored as the figure because the conversion element is a share of a transaction the schema cannot compute here. Charges are exclusive of GST.

₹21.00

When this charge applies

UCO Bank current account holders at other banks' ATMs. The schedule gives current accounts no free allowance here, so the charge applies from the first transaction. Charges are exclusive of GST.

₹10.00

When this charge applies

UCO Bank current account holders at other banks' ATMs. The schedule gives current accounts no free allowance here, so the charge applies from the first transaction. Charges are exclusive of GST.

₹0 (Free)

When this charge applies

UCO Bank current account holders at UCO Bank's own ATMs. The schedule states there is no upper limit on transactions, so no per-transaction charge applies at UCO's own ATMs.

3 free transactions a month at metro centres; Rs 21 per financial transaction thereafter (₹21.00 per financial transaction after 3 free)

When this charge applies

UCO Bank savings account holders at other banks' ATMs located at metro centres. The free count is stated once for this centre category and is repeated on both the financial and the non-financial rule for it. Charges are exclusive of GST.

3 free transactions a month at metro centres; Rs 10 per non-financial transaction thereafter (₹10.00 per non-financial transaction after 3 free)

When this charge applies

UCO Bank savings account holders at other banks' ATMs located at metro centres. The free count is stated once for this centre category and is repeated on both the financial and the non-financial rule for it. Charges are exclusive of GST.

5 free transactions a month at centres other than metro centres; Rs 21 per financial transaction thereafter (₹21.00 per financial transaction after 5 free)

When this charge applies

UCO Bank savings account holders at other banks' ATMs located at centres other than metro centres. The free count is stated once for this centre category and is repeated on both the financial and the non-financial rule for it. Charges are exclusive of GST.

5 free transactions a month at centres other than metro centres; Rs 10 per non-financial transaction thereafter (₹10.00 per non-financial transaction after 5 free)

When this charge applies

UCO Bank savings account holders at other banks' ATMs located at centres other than metro centres. The free count is stated once for this centre category and is repeated on both the financial and the non-financial rule for it. Charges are exclusive of GST.

Ten free transactions a month, financial and non-financial combined; Rs 11 per financial transaction thereafter (₹11.00 per financial transaction after 10 free)

When this charge applies

UCO Bank savings account holders at UCO Bank's own ATMs. The schedule states one free limit of ten transactions a month counting financial and non-financial transactions together, and that limit is repeated on both rules because it is stated once for both. Not applicable to Small, No Frill, BSBDA and PMJDY account holders. Charges are exclusive of GST.

Ten free transactions a month, financial and non-financial combined; Rs 6 per non-financial transaction thereafter (₹6.00 per non-financial transaction after 10 free)

When this charge applies

UCO Bank savings account holders at UCO Bank's own ATMs. The schedule states one free limit of ten transactions a month counting financial and non-financial transactions together, and that limit is repeated on both rules because it is stated once for both. Not applicable to Small, No Frill, BSBDA and PMJDY account holders. Charges are exclusive of GST.