Need to withdraw cash from your HDFC Bank account? Whether you use an ATM or visit a branch, knowing your daily limits can save you from unexpected fees. HDFC Bank allows cash withdrawals ranging from INR 25,000 to INR 2,00,000 per day, depending on your account type and debit card.
This comprehensive guide covers HDFC Bank cash withdrawal limits for savings and current accounts, ATM withdrawals, charges for exceeding limits, and practical tips to optimize your banking experience.
Table of contents
- What Are HDFC Bank Cash Withdrawal Limits from Branch?
- HDFC Bank Cash Withdrawal Limits for Savings Account
- HDFC Bank Cash Withdrawal Limit for Current Accounts
- HDFC Bank ATM Cash Withdrawal Limits at Branch
- Charges for Exceeding HDFC Cash Withdrawal Limits
- How to Avoid HDFC Bank Cash Withdrawal Charges?
- Factors Affecting HDFC Cash Withdrawal Limits
- How to Increase HDFC Cash Withdrawal Limits from a Branch?
- FAQs
What Are HDFC Bank Cash Withdrawal Limits from Branch?
HDFC Bank sets specific cash withdrawal limits for transactions at its branches, which vary based on account type, debit card, and banking program. Knowing the HDFC bank cash withdrawal limits from the branch ensures you stay within free transaction thresholds and avoid additional charges.
Here’s a breakdown of the general cash withdrawal limits at HDFC Bank branches, based on the latest information from HDFC Bank’s official website:
- Savings Accounts: Up to INR 2,00,000 per month (varies by account type).
- Current Accounts: INR 25,000 to INR 1,00,000 per day (specific limits depend on the account).
- ATM Withdrawals: INR 50,000 to INR 2,00,000 per day (based on debit card type and account age).
Note: Limits may differ based on branch policies, account category (e.g., Imperia or Preferred Banking), and regulatory guidelines set by the Reserve Bank of India (RBI).
HDFC Bank Cash Withdrawal Limits for Savings Account
HDFC Bank’s savings account withdrawal limit from branches generally ranges up to INR 2,00,000 per month. However, certain accounts, like the DigiSave Youth Account, allow withdrawals of up to INR 1.25 Lakhs per month without any charges.
If you exceed the limit, you’ll incur a charge of INR 5 per INR 1,000 withdrawn, with a minimum fee of INR 150. Here’s a summary of the withdrawal limits for different HDFC Savings Accounts-
| Types of HDFC Savings Account | HDFC Cash Withdrawal Limit from Branch |
| Savings MAX Account | Upto INR 2 lakhs free per month per account |
| Regular Savings Account | Unlimited |
| Senior Citizens Account | INR 2,00,000 |
| Women’s Savings Account | INR 2,00,000 |
| DigiSave Youth Account | Up to INR 1,25,000 |
Charges for Exceeding Limits
If you exceed the free withdrawal limit for savings accounts:
- Fee: INR 5 per INR 1,000 (or part thereof), with a minimum charge of INR 150.
- Exception: DigiSave Youth Account allows free withdrawals up to INR 1,25,000 per month.
Tip: Monitor your withdrawals using HDFC’s net banking or mobile app to stay within free limits.
HDFC Bank Cash Withdrawal Limit for Current Accounts
For current accounts, HDFC allows withdrawals between INR 25,000 to INR 1,00,000 per day, depending on the type of account you hold. However, the bank’s current account withdrawal limits per day and per month at branches depend on the type of current account you hold.
You can check the specific HDFC Bank cash withdrawal limit through the bank’s online banking portal or by visiting the branch. If you exceed the limit, a fee is charged based on the amount withdrawn. The fee is typically INR 21 plus taxes.
If needed, you can request an increase in your limit. Here’s a breakdown of the HDFC Bank withdrawal limits for different current accounts-
| Current Account Type | HDFC Cash Withdrawal Limit from Branch for Current Accounts |
| Max Advantage Current Account | 12 times current month AMB (upper cap of INR 75 crore). |
| Ascent Current Account | Up to INR 1 lakh per day. |
| Activ Current Account | Up to INR 1 lakh per day. |
| Plus Current Account | Up to INR 1 lakh per day. |
| Premium Current Account | Up to INR 25,000 per day. |
| Regular Current Account | Up to INR 2 lakhs per month or 25 transactions (whichever is breached first). |
| Startup Current Account | Up to INR 1 lakh per day (specific limits may vary). |
| Saksham Current Account | Up to INR 1 lakh per day. |
| E-Comm Current Account | Up to INR 1 lakh per day. |
| Current Account For Professionals | Up to INR 10 lakhs a month (specific limits may vary). |
| Agri Current Account | Free withdrawal at home branch (specific limits may vary). |
| Institutional Current Account | Free withdrawal at home branch (specific limits may vary)/ |
| RFC – Domestic Account | Free withdrawal at the home branch (specific limits may vary |
Charges for Exceeding Limits
- Fee: INR 25 per transaction for exceeding the daily or monthly limit.
- Verification: Check your specific limit via HDFC’s online banking portal or by contacting your branch.
Pro Tip: Opt for accounts like Max Advantage for higher limits if you frequently need large cash withdrawals.
Also Read: Check this blog to learn how to check HDFC Forex Card balance for simplified international travel and financial transactions.
HDFC Bank ATM Cash Withdrawal Limits at Branch
Withdrawal limits at ATMs also vary depending on your account type. Using an HDFC Bank international debit card or domestic card also determines the withdrawal limit. Understanding the HDFC Bank cash withdrawal limits from a branch is essential for effective money management and avoiding unnecessary fees.
| ATM Cash Withdrawal Limits at HDFC Bank | Details |
| By Account Age | |
| Accounts under 6 months old | INR 50,000 per day |
| Accounts older than 6 months | INR 2,00,000 per day |
| By Debit Card Type | |
| HDFC International, Woman’s Advantage, NRO | INR 25,000 per day |
| HDFC International Business, Titanium, Gold | INR 50,000 per day |
| HDFC Titanium Royale | INR 75,000 per day |
| HDFC Platinum and Imperia Platinum Chip | INR 1,00,000 per day |
| Monthly Withdrawal Limit | INR 1,000,000 for all accounts |
Charges for Exceeding HDFC Cash Withdrawal Limits
HDFC Bank applies charges when cash withdrawals exceed the permitted limits across different account types.
- ATM Withdrawals: Once the free ATM transaction limit is exceeded, a fee of INR 21 plus taxes per transaction is charged. This applies to both financial and non-financial transactions.
- Savings Account: For cash withdrawals beyond the allowed limit, a fee of INR 5 per INR 1,000 or part thereof is applied, with a minimum charge of INR 150.
- Digisave Youth Account: Withdrawals up to INR 1.25 lakh per month are free. Charges apply only after this threshold is crossed.
- Current Account: Exceeding the cash withdrawal limit results in a charge of INR 25 per transaction.
These charges are implemented to cover transaction costs and promote responsible banking by encouraging customers to stay within their withdrawal limits.
How to Avoid HDFC Bank Cash Withdrawal Charges?
Minimizing the HDFC Bank Cash withdrawal fees can save you money and streamline your banking. Here are actionable strategies to stay within limits and avoid charges.
- Know Your Free Transaction Limits:
- Savings/Salary Accounts: 5 free ATM transactions per month at HDFC ATMs.
- Current Accounts (e.g., Activ, Ascent): Unlimited free transactions at HDFC ATMs.
- Use HDFC Bank ATMs:
- Non-HDFC ATM transactions incur fees for both cash withdrawals and balance inquiries.
- Plan Withdrawals:
- Consolidate cash needs into fewer, larger withdrawals to stay within free limits.
- Choose the Right Account:
- Switch to a current account with higher limits if you frequently withdraw cash.
- Monitor Account Activity:
- Track withdrawals via HDFC’s mobile app or net banking to avoid accidental overages.
- Opt for Digital Payments:
- Use UPI, cards, or online transfers to reduce cash withdrawal needs.
- Stay Updated:
- Check HDFC Bank’s website or contact customer service for policy changes.
Example: A Regular Savings Account holder can avoid fees by limiting branch withdrawals to INR 2,00,000 per month and using HDFC ATMs for up to 5 free transactions.
Factors Affecting HDFC Cash Withdrawal Limits
Several factors influence the HDFC Bank Cash withdrawal limits from branches and ATMs, determining how much customers are allowed to withdraw. These factors include the type and age of the account, the type of debit cards, transaction limits, and regulatory guidelines. Check out the details below-
- Account Age: New accounts (< 6 months) have lower limits than older accounts.
- Debit Card Type: Platinum cards allow higher withdrawals than standard cards.
- Account Type: Premium accounts (e.g., Imperia) offer personalized limits.
- Branch vs. ATM: Branch withdrawals via cheques allow larger sums than ATMs.
- RBI Guidelines: Regulatory policies may influence limits.
- Free Transaction Limits: Exceeding free transactions triggers fees.
Note: Always verify your specific limit with your branch or through net banking.
Also Read: Interested in studying abroad but a bit worried about the finances? Escalate your career to the next level with HDFC Bank personal loans for education.
How to Increase HDFC Cash Withdrawal Limits from a Branch?
The most straightforward way to request an increase in HDFC Bank cash withdrawal limit is by visiting your nearest HDFC Bank branch. Follow these steps to request an increase at HDFC Bank.
- Visit Your Branch:
- Speak to a bank representative and explain your need for a higher limit.
- Submit Required Documents:
- Proof of Identity: Aadhaar card, passport, or driver’s license.
- Proof of Address: Utility bill, rental agreement, or bank statement.
- Income Proof: Salary slips, Form 16, or ITR to justify the increase.
- Complete Application:
- Fill out any forms provided by the bank.
- Await Approval:
- Processing may take up to 3 working days.
- Alternative Option:
- Check if you can adjust limits via HDFC’s net banking portal.
Contact Support
- Customer Care: Call HDFC Bank’s helpline for guidance.
- Online Portal: Log in to net banking for digital requests.
Tip: Premium accounts like Imperia may offer higher limits without additional requests.
By following these steps and being prepared with the necessary documentation, you can successfully request an increase in your cash withdrawal limit at HDFC Bank. Check out the FAQs below for more information.
FAQs
The amount of HDFC cash withdrawal limit from a branch is between INR 25,000 to INR 1,00,000 per day. Here’s how much you can withdraw-
– Savings Account- Up to INR 2,00,000 per month
– Current Account- INR 25,000 to INR 1,00,000 per day
– ATM Withdrawals- INR 50,000 to INR 2,00,000 per day
The cash withdrawal limit for HDFC Bank savings accounts allows you to withdraw up to INR 2 lakhs per month, depending on the type of account you hold.
The daily HDFC BAnk ATM withdrawal limit varies by card type: typically, it’s up to INR 25,000 for regular debit cards and can go up to INR 1 lakh for premium cards like the Platinum chip debit card.
Customers can withdraw cash at HDFC Bank branches using a withdrawal slip or cheque.
Yes, if you exceed your cash withdrawal limit, HDFC Bank charges INR 5 per INR 1000 withdrawn, with a minimum fee of INR 150.
Absolutely! You can request an increase in your cash withdrawal limit by visiting your branch or contacting customer service.
You can withdraw up to INR 1 lakh per day using a cheque at HDFC Bank branches.
HDFC Bank allows five free ATM transactions per month at its own ATMs for savings account holders.
If you use non-HDFC ATMs, you may incur additional fees after the free transaction limits are exceeded, typically around INR 21 plus taxes.
Yes, third-party withdrawals are limited to a maximum of INR 50,000 per transaction at HDFC Bank branches.
Yes, you can use your HDFC debit card at any ATM, but be mindful of the withdrawal limits and potential fees at non-HDFC ATMs.
Yes, each account type (savings vs. current) has its own set of withdrawal limits and conditions.
Yes, you can check your current cash withdrawal limits through HDFC Bank’s online banking portal or mobile app.
For current accounts, the daily cash withdrawal limit typically ranges from INR 25,000 to INR 1 lakh, depending on the specific account type.
Yes, all accounts have a monthly cap of up to INR 10 lakhs for total withdrawals across various channels.
Hope this blog was able to help you with HDFC Bank cash withdrawal limits from branch. If you have any doubts, please feel free to reach out via the comment box.
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