Looking for details on HDFC Cash Withdrawal Limits for daily and monthly transactions? Whether it’s from an ATM, branch, or via cheque, you’ve landed in the right place! Understanding HDFC cash withdrawal limits can be confusing for many, but we are here to simplify it for you.
In this guide, we will explain everything you need to know about HDFC withdrawal limits in an easy-to-understand format. From account-specific withdrawal caps to ATM withdrawal limits, fees for exceeding limits, and how to increase your withdrawal limits. We have got it all covered. Let’s jump right into HDFC cash withdrawal limits and make sense of it all!
Table of contents
What is the HDFC Cash Withdrawal Limit?
HDFC Bank, one of India’s leading private sector banks, offers a variety of banking solutions tailored to different customer needs. Among these, the HDFC cash withdrawal limit plays a crucial role in determining how much money a customer can withdraw from ATMs and bank branches. The HDFC cash withdrawal limits vary based on account type, card type, transaction mode, and regulatory guidelines.
Let’s take an overview of HDFC cash withdrawal limits:
| Withdrawal Type | Withdrawal Limit |
| ATM Withdrawals (HDFC Bank) | Up to INR 25, 000 per Day |
| ATM Withdrawals (Non-HDFC ATMs) | INR 10,000 per transaction |
| Branch Withdrawals (Home Branch) | Free up to INR 2,00,000 per month |
| Branch Withdrawals (Non-Home Branch) | Free up to INR 25,000 per day |
Also Read: Discover the features, benefits, and process of the Indo-Nepal Remittance Facility Scheme, an option for sending money from India to Nepal.
HDFC Cash Withdrawal Limits by Account Type
HDFC Bank offers varying cash withdrawal limits based on the type of account held by a customer. The HDFC Cash withdrawal limits are primarily categorized into two types: ATM withdrawals and over-the-counter (OTC) withdrawals.
These limits are influenced by factors such as account vintage, account type, and whether the withdrawal is made at an HDFC ATM or a different bank’s ATM.
Here’s a breakdown of the cash withdrawal limits based on different account types:
HDFC Cash Withdrawal Limits for Savings Accounts
The withdrawal limit for savings accounts depends on the account type. Exceeding these limits results in additional charges. For over-the-counter withdrawals (withdrawals made in person at the bank branch), the limits vary based on the account type and the relationship with the bank.
Moreover, salary accounts generally offer higher OTC limits since they are linked to regular income deposits, often allowing withdrawals up to INR 1 lakh or more, depending on the specific bank policy. Here are the HDFC Cash withdrawal limits for various savings accounts:
| Type of Savings Account | Withdrawal Limit (Per Month) |
| Savings MAX Account | INR 2,00,000 |
| Regular Savings Account | Unlimited |
| Senior Citizens Account | INR 2,00,000 |
| Women’s Savings Account | INR 2,00,000 |
| DigiSave Youth Account | INR 1,25,000 |
| Salary Account | INR 1,00,000 or more |
| Premium Accounts (HDFC Bank Regalia, HDFC Bank Infinia) | INR 1,25,000 to 5,00,000 |
Similarly, customers holding premium or high-net-worth accounts have much higher OTC withdrawal limits, reflecting the higher status of the account. However, if you exceed these limits, a fee of INR 5 per INR 1,000 withdrawn (minimum INR 150) applies.
HDFC Cash Withdrawal Limits for Current Accounts
HDFC Bank offers specific cash withdrawal limits for its current account holders, designed to meet the varying needs of businesses and professionals. The current account withdrawal limits per day are set based on the account type, vintage, and the method of withdrawal (ATM or over-the-counter).
Here are the HDFC Cash withdrawal limits for various current accounts:
| Type of Current Account | Daily Withdrawal Limit |
| Max Advantage Account | 12x AMB, max INR 75 crore |
| Ascent Current Account | INR 1,00,000 |
| Active Current Account | INR 1,00,000 |
| Premium Current Account | INR 25,000 |
| Startup Current Account | INR 1,00,000 |
| Institutional Account | Free withdrawals (varies) |
Also Read: Discover the significant differences between FERA and FEMA and their impact on India’s economy. Understand their objectives, structure, and influence.
HDFC ATM Cash Withdrawal Limits
HDFC Bank sets specific cash withdrawal limits for ATM transactions based on the age of the account and the type of debit card issued. These limits are designed to offer flexibility while ensuring security. The bank has established different thresholds for customers depending on whether their accounts are new or have been active for a longer period.
Let’s understand the HDFC ATM cash withdrawal limits based on account age and type of debit card.
HDFC Cash Withdrawal Limits Based on Account Age
The withdrawal limits at HDFC ATMs are tiered according to how long the account has been active:
For Accounts Less Than 6 Months Old
Newer accounts are subject to more restrictive withdrawal limits for enhanced security during the initial stages of account activity. Here are the HDFC cash withdrawal limits for accounts less than 6 months Old:
- Daily Limit: INR 50,000 per day
- Monthly Limit: INR 10,00,000
For Accounts More Than 6 Months Old
Once an account reaches six months of age, the withdrawal limit increases significantly, providing more flexibility for regular transactions. Here are the HDFC cash withdrawal limits for accounts more than 6 months Old:
- Daily Limit: INR 2,00,000 per day
- Monthly Limit: INR 10,00,000
HDFC Cash Withdrawal Limits Based on Debit Card Type
HDFC Bank sets different ATM withdrawal limits based on the type of debit card a customer holds, ensuring they meet various financial needs. The HDFC cash withdrawal limit also depends on whether the card is an HDFC Bank international debit card or a domestic debit card.
Here are the different HDFC debit cards that offer varying withdrawal limits.
| Debit Card Type | Daily ATM Withdrawal Limit |
| HDFC International, Woman’s Advantage, NRO | INR 25,000 |
| HDFC International Business, Titanium, Gold | INR 50,000 |
| HDFC Titanium Royale | INR 75,000 |
| HDFC Platinum, Imperia Platinum Chip | INR 1,00,000 |
How to Increase Your HDFC Cash Withdrawal Limit
If you find that your current HDFC Bank cash withdrawal limit doesn’t meet your needs, you can request an increase. HDFC Bank allows customers to adjust their ATM and over-the-counter withdrawal limits based on their banking requirements. Here are the ways to increase your HDFC cash withdrawal limit:
- Visiting an HDFC Branch:
- Submit a request to the bank representative.
- Providing Required Documents:
- Proof of Identity: Aadhaar, PAN, Passport, etc.
- Proof of Address: Utility bill, rental agreement.
- Income Proof: Salary slips, ITR, Form 16.
- Using HDFC NetBanking:
- Some accounts allow temporary withdrawal limit increases through NetBanking.
Factors Affecting HDFC Cash Withdrawal Limits
The HDFC bank cash withdrawal limit is influenced by several key factors. Understanding these elements helps customers manage their transactions efficiently and avoid unnecessary charges. Below are the primary factors that determine the withdrawal limits:
Account Type
The type of account in HDFC plays a crucial role in determining your HDFC cash withdrawal limit. Generally, savings account cash withdrawal limits typically come with lower daily and monthly withdrawal limits when compared to current account limits. Whereas accounts less than six months old have lower ATM withdrawal limits compared to accounts older than six months.
Debit Card Type
Different debit cards have different withdrawal limits, which impact how much cash you can withdraw from ATMs daily. The withdrawal limit is influenced by the type of HDFC debit card issued.
- Premium debit cards (e.g., Platinum Chip Debit Card) allow higher daily withdrawals (up to INR 1,00,000).
- Other cards, such as Titanium Royale or EasyShop Debit Cards, have limits ranging from INR 25,000 to 75,000 per day.
Branch vs. ATM Withdrawals
Cash withdrawal limits differ based on whether you withdraw money from an HDFC branch or ATM. Customers can withdraw larger sums at HDFC branches using cheques, whereas ATM withdrawals have daily caps.
Free Transaction Limits
HDFC Bank offers a limited number of free ATM withdrawals per month. Once the limit is exceeded, transaction fees apply.
Regulatory Guidelines
The Reserve Bank of India (RBI) imposes restrictions on HDFC cash withdrawal limits, ensuring security and financial compliance.
Managing your HDFC cash withdrawal limit effectively ensures hassle-free transactions. By understanding the limits set by HDFC Bank, customers can avoid fees, plan finances better, and use alternative banking methods when needed.
For those frequently exceeding limits, requesting a limit increase or using digital banking solutions is a smart alternative.
FAQs on HDFC cash withdrawal limit
The HDFC cash withdrawal limit for ATM transactions is up to INR 25,000 per day for most customers, though this can vary based on your account type and debit card.
The HDFC cash withdrawal limit for non-HDFC ATMs is capped at INR 10,000 per transaction.
Yes, HDFC cash withdrawal limits are generally higher for current accounts than for savings accounts, with specific limits set according to the type of account.
For accounts less than 6 months old, the HDFC cash withdrawal limit is INR 50,000 per day and INR 10,00,000 per month.
HDFC cash withdrawal limits vary by debit card type. Premium cards like HDFC Platinum or Infinia allow withdrawals up to INR 1,00,000 daily, while cards like the Woman’s Advantage have lower limits, typically INR 25,000.
Yes, you can withdraw cash from any HDFC Bank branch, but non-home branch withdrawals are limited to INR 25,000 per day. For home branch withdrawals, the HDFC cash withdrawal limit is INR 2,00,000 per month.
You can increase your HDFC cash withdrawal limit by visiting an HDFC branch, submitting required documents like proof of identity and income, or requesting a temporary increase through HDFC NetBanking.
Premium HDFC accounts, such as Regalia or Infinia, offer higher cash withdrawal limits, ranging from INR 1,25,000 to INR 5,00,000 per day, depending on the account type.
Exceeding the HDFC cash withdrawal limit will result in a fee of INR 5 per INR 1,000 withdrawn (with a minimum fee of INR 150).
Yes, the Reserve Bank of India (RBI) imposes regulations that impact the HDFC cash withdrawal limit, ensuring compliance with security and regulatory standards.
Hope this blog was able to help you with the HDFC cash withdrawal limit. If you have any doubts, please feel free to reach out via the comment box.
To learn more about education loans, the best bank accounts for students, forex, banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.
Follow Us on Social Media
