Rules for ATM use are changing from April 1! There will be a direct impact on the customers of HDFC, PNB and Bandhan Bank, know what are the new charges:

With the start of the new financial year (Financial Year 2026-27), big changes are going to happen in the world of banking. From April 1, 2026, major private and government banks of the country have updated the rules related to ATM transactions, free limit and cash withdrawal. Now withdrawing money from ATM may prove costly for the customers of HDFC Bank, Punjab National Bank (PNB) and Bandhan Bank. If you are also a customer of these banks, then understanding these new rules is very important for your budget.

HDFC Bank: Withdrawal of cash through UPI is no longer free!

HDFC Bank has made a major change in the rules of its cardless cash withdrawal (through UPI).

New rule: Now if you withdraw money from ATM through UPI without card, it will also be counted in your month’s free transaction limit.

Extra Charge: After the limit of 5 free transactions is reached, you will be charged Rs. ₹23 (plus tax) Will have to pay.

Existing Facility: The facility of 5 free transactions at your bank’s ATM and 3 free transactions at other banks’ ATMs in metro cities and 5 in non-metro cities will continue.

PNB: Daily cash withdrawal limit reduced

government sector giants Punjab National Bank (PNB) has reduced the daily cash withdrawal limit for some of its select debit cards.

shift: The daily limit has been reduced according to the category of the card (Classic, Gold, Platinum).

Advice: The bank has advised customers to check the ‘new limit’ of their card through their mobile app or net banking so that they do not face any problem in case of sudden need.

Bandhan Bank: Financial transactions will be controlled

Bandhan Bank has implemented new rules clarifying the distinction between financial and non-financial transactions:

Free Limit: monthly at your bank’s ATM only 5 financial transactions Will be free. However, ‘non-financial’ tasks like balance check or mini statement will remain unlimited and free.

ATMs of other banks: On every financial transaction after 3 free transactions in metro cities and 5 free transactions elsewhere ₹23 and on non-financial ₹10 Fee will be charged.

Keep these 3 things in mind to avoid extra charges

Keep track of limits: Track your ATM usage from the beginning of the month. It is better to withdraw large amounts at one go rather than withdrawing small cash.

Use of digital payment: Where possible, use UPI, net banking or card swipe so that the ATM transaction count does not increase.

Mobile apps for non-financial purposes: Instead of going to ATM for tasks like checking balance or changing PIN, use the bank’s mobile app, it is completely free.

Note: All these rules will be considered effective from April 1, 2026. The bank is also sending information about these changes to your registered mobile number.