ATM Rules From April 1: Key Changes Bank Customers Need To Know

After 31st of March 2026, the new financial year is about to commence and many financial rules are also changing. Now let’s focus on the ATM rules which are about to take place from the 1st of April.

Starting with the beginning of the new fiscal year on April 1, Indian banks will implement a number of modifications to ATM use. According to the announcements made by major payment banks and lenders, the changes are anticipated to have an impact on transaction fees, withdrawal restrictions and cash access for consumers, as per the reports.

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Private sector lender HDFC Bank has announced that the monthly free transaction cap will now include UPI based cash withdrawals made at ATMs. Previously, these withdrawals were treated as a separate category, but they will now be included in the total number of free transactions permitted.

If a customer goes over their monthly limit, they will be charged Rs. 23 for each transaction, plus any taxes that may apply. Currently, at HDFC Bank ATMs, the majority of customers are permitted to make five free withdrawals each month, as well as three free transactions in metro cities and five in non metro regions at ATMs belonging to other banks.

Additionally, Jio Payments Bank has launched a new cash withdrawal service based on QR codes. With this, customers can access authorized banking correspondents and make withdrawals by scanning a UPI QR code and using a UPI app to authorize the transaction. These modifications emphasize a larger trend in digital banking while also restricting the use of cash. To avoid extra fees, clients should keep a close check on transactions and check their bank specific limits.