ATM Withdrawal Limits

• Daily ATM withdrawal limits typically range from ₹20,000 to ₹1,00,000.
• Limits vary based on bank, card type, and account category.
• Premium or high-value account holders may receive higher limits.
• Charges may apply after exceeding free ATM withdrawal limits.
• Bank-set limits help control unauthorized or excessive cash withdrawals.

Online and UPI Transfer Limits

• Internet banking transfers are often capped between ₹1 lakh to ₹10 lakhs per day.
• UPI transfers are generally limited to ₹1 lakh per day by default.
• Some banks allow custom limits on net banking and mobile apps.
• NEFT and RTGS channels offer higher daily transfer limits.
• Additional authentication may be required for large digital transactions.

Cheque and Branch Transaction Limits

• Cash withdrawal at branches may be limited to ₹50,000–₹2 lakhs per day.
• Large withdrawals may need advance notice or ID verification.
• Third-party cheque encashment may have separate restrictions.
• Some banks limit the number of free branch visits per month.
• Excessive in-branch activity may incur service charges.

POS and Card Usage Limits

• Debit card purchases at point-of-sale (POS) terminals may be limited daily.
• Limits usually fall between ₹50,000 to ₹1 lakh per day.
• International usage limits differ and may need manual activation.
• Card limits can often be adjusted through banking apps or portals.
• Spending caps enhance security and budget control.

BSBD and Zero-Balance Account Limits

• These accounts often have a limit of four withdrawals per month.
• Total monthly transactions may be capped to preserve account status.
• Exceeding limits may result in conversion to a regular savings account.
• Cash deposit and transfer limits may also apply to such accounts.
• These restrictions are defined by RBI and followed by all banks.