Are you aware of your HDFC Bank cash withdrawal limits from branches? Whether withdrawing from an HDFC branch or ATM, knowing your limits can help you avoid unnecessary charges.
Withdrawals at HDFC Bank typically range from INR 25,000 to INR 1,00,000 per day. The exact limit depends on your account type, and exceeding this limit may incur extra charges. Fortunately, you can avoid these fees by staying within the prescribed limits, and you can even increase your withdrawal limits by upgrading to a premium account or requesting temporary enhancements.
Let’s explore the details of HDFC cash withdrawal limits for both savings and current accounts.
Table of contents
- What are the HDFC Bank Cash Withdrawal Limits from Branch?
- HDFC Bank Cash Withdrawal Limits for Savings Account
- HDFC Bank Cash Withdrawal Limit for Current Accounts
- ATM Cash Withdrawal Limits at HDFC Branch
- Charges for Exceeding HDFC Cash Withdrawals Limits
- How to Avoid Withdrawal Charges at HDFC Bank?
- Factors Affecting HDFC Cash Withdrawal Limits
- How to Increase HDFC Cash Withdrawal Limits from Branch?
- FAQs
What are the HDFC Bank Cash Withdrawal Limits from Branch?
HDFC Bank allows you to withdraw cash from their branches within the following limits-
- Savings Accounts: Up to INR 2,00,000 per month (with variations based on the account type).
- Current Accounts: INR 25,000 to INR 1,00,000 per day.
- ATM Withdrawals: INR 50,000 to INR 2,00,000 per day.
Various factors influence the HDFC Bank cash withdrawal limit from branches. These include the account category, type, and branch policies. For instance-
Savings accounts have lower daily withdrawal limits compared to current accounts. Similarly, premium accounts under Imperia or Preferred Banking schemes have higher or personalized withdrawal limits.
Check out the overall bank cash withdrawal limits for different types of HDFC Bank accounts-
| Type of Account and Cash Withdrawal Method | Amount |
| Savings Account | Up to INR 2,00,000 per month |
| Current Account | INR 25,000 to INR 1,00,000 per day |
| ATM withdrawal | INR 50,000 to INR 2,00,000 per day |
Please Note: The specific limits may vary based on the account type and bank branch rules.
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 |
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 depends 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 |
Also Read: Check this blog to learn how to check HDFC Forex Card balance for simplified international travel and financial transactions.
ATM Cash Withdrawal Limits at HDFC 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 these limits 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 Withdrawals Limits
HDFC Bank imposes specific charges for cash withdrawals that exceed the permitted limits. The charges for exceeding HDFC ATM cash withdrawals is INR 21 plus taxes per transaction.
If customers exceed the HDFC Cash Withdrawal limits for their savings account, they will be charged INR 5 per INR 1000 or part thereof, with a minimum fee of INR 150. However, for Digisave Youth accounts, withdrawals up to INR 1.25 lakh per month are free of charge.
For those holding a Current Account, the charge is slightly higher at INR 25 per transaction for any withdrawals exceeding the specified limit.
These fees are designed to manage transaction costs and encourage customers to stay within their withdrawal limits. Additionally, customers should be aware that these fees apply to both financial and non-financial transactions once the free transaction limit is surpassed.
| Types of HDFC Savings Account | Charges beyond Cash Withdrawal Limits |
| ATM Withdrawals | INR 21 plus taxes |
| Savings Account | Minimum Fee of INR 150 |
| Current Account | INR 25 per transaction |
How to Avoid Withdrawal Charges at HDFC Bank?
Avoiding withdrawal charges at HDFC Bank can save you money and enhance your banking experience. Here are some practical tips to help you steer clear of additional charges for exceeding HDFC Bank cash withdrawal limits from branch.
Know Your Free Transaction Limits
HDFC Bank allows a certain number of free ATM transactions each month, depending on your account type. For example, the bank offers five free ATM transactions per month at its own ATMs for Savings and Salary Accounts. For Current Accounts, such as the Activ, Ascent, and Max Advantage accounts, there are unlimited free transactions at HDFC ATMs.
Make sure to keep track of how many free transactions you’ve used to avoid incurring extra charges.
Use HDFC ATMs
To maximize your free withdrawals, always opt for HDFC Bank ATMs. Transactions at non-HDFC ATMs incur additional fees, including both financial (cash withdrawal) and non-financial (balance inquiry) charges. So, sticking to your bank’s machines can help you avoid unnecessary costs.
Plan Your Withdrawals
If you know you’ll need a significant amount of cash, plan ahead! Instead of making multiple small withdrawals, consolidate your needs into fewer transactions. This strategy not only helps you stay within the free limit but also saves time.
Choose the Right Account Type
If you frequently withdraw cash, consider switching to an account that offers unlimited free transactions, such as certain current accounts. This can be particularly beneficial for business owners or individuals who regularly need cash.
Monitor Your Account Activity
Regularly check your account statements and transaction history to keep track of your withdrawals. Being aware of your balance and withdrawal limits can prevent accidental overages that lead to fees.
Opt for Digital Transactions
Whenever possible, use digital payment methods instead of cash. This reduces the need for cash withdrawals and helps you manage your finances more efficiently without incurring ATM fees.
Stay Informed About Changes
Banks periodically update their fee structures and withdrawal limits. Stay informed about any changes by checking HDFC Bank’s official website or contacting customer service to ensure you’re aware of the latest policies.
By following these strategies, you can effectively manage your HDFC Bank withdrawals and minimize or eliminate any associated charges, allowing you to focus on what truly matters—your financial goals.
Factors Affecting HDFC Cash Withdrawal Limits
Several factors influence the cash withdrawal limits at HDFC Bank, affecting how much customers can withdraw from ATMs and branches. These factors include type and age of account, type of debit cats, transaction limits, and regulatory guidelines. Check out the details below-
Account Age
The age of the account plays a significant role in determining withdrawal limits. Accounts that are less than six months old have a lower daily withdrawal limit compared to those that are older than six months, which typically allows for higher withdrawals.
Type of Debit Card
The specific debit card issued to the customer also impacts the withdrawal limit. For instance, customers with a Platinum chip debit card can withdraw up to INR 1 lakh per day, while those with other types of cards, such as the Titanium Royale or EasyShop debit cards, have varying limits ranging from INR 25,000 to INR 75,000 per day.
Branch vs. ATM Withdrawals
Withdrawal limits differ based on whether customers are using ATMs or making withdrawals directly at bank branches. For example, customers can withdraw larger sums using cheques at branches compared to ATM limits.
Free Transaction Limits
HDFC Bank also allows a certain number of free transactions per month, after which fees apply for additional withdrawals. This is influenced by both the type of account and the nature of the transaction (financial or non-financial).
Regulatory Guidelines
The Reserve Bank of India (RBI) sets certain guidelines that banks must follow regarding cash withdrawal limits, which can also affect HDFC Bank’s policies.
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 Branch?
The most straightforward way to request an increase in your withdrawal limit is by visiting your nearest HDFC Bank branch. Speak to a bank representative and express your desire to increase your cash withdrawal limit.
However, you need to provide several key documents that support your request. This helps the bank verify your identity and financial status. The primary documents required include:
- Proof of Identity: This can be a government-issued ID such as a passport, Aadhaar card, or driver’s license.
- Proof of Address: Documents like utility bills, rental agreements, or bank statements that confirm your current address may be required.
- Income Proof: Recent salary slips, Form 16, or Income Tax Returns are necessary to demonstrate your financial capability and justify the requested limit increase. This documentation helps the bank assess your income stability and overall financial health.
You can submit these documents either online through HDFC Bank’s digital platforms or in person at a branch. Additionally, it’s advisable to check with HDFC Bank for any specific requirements or forms that may be needed during the application process.
The bank representative will guide you through any necessary forms that need to be filled out for processing your request.
After submitting your request and documents, the bank will review your application. The approval process may take some time, depending on the bank’s policies. It may take up to 3 working days for the changes to be reflected in your account.
Alternatively, you can also check if you have the option to increase your withdrawal limit via HDFC Bank’s online banking portal. Some customers may have the ability to adjust their limits directly through their net banking account.
If you prefer a more immediate response or have questions about the process, you can contact HDFC Bank’s customer service for assistance.
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 cash you can withdraw from an HDFC Bank 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
You can withdraw up to INR 2 lakhs per month from your savings account at HDFC Bank, depending on the type of account you hold.
The daily 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 comment box.
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