You can withdraw up to Rs 20,000 per transaction from a PNB ATM, with a maximum daily cash withdrawal limit of Rs 25,000 across all ATMs.
Understanding Your PNB ATM Withdrawal Limits
When using your PNB Debit Card for cash withdrawals, there are specific limits set to ensure security and manage transactions efficiently. These limits depend on whether you are using a Punjab National Bank (PNB) ATM or an ATM belonging to another bank.
Key Withdrawal Limits:
- Daily Cash Withdrawal Limit: The total amount you can withdraw from ATMs in a single day is capped at Rs 25,000. This is a cumulative limit across all transactions and all ATMs.
- Per Transaction Limit at PNB ATMs: For individual withdrawals at any PNB ATM, you can take out a maximum of Rs 20,000 per transaction.
- Per Transaction Limit at Other Bank ATMs: If you use your PNB Debit Card at an ATM that is not operated by PNB (e.g., an SBI ATM or HDFC Bank ATM), the maximum amount you can withdraw per transaction is Rs 10,000.
To illustrate these limits clearly, refer to the table below:
| Limit Type | At PNB ATMs | At Other Bank ATMs |
|---|---|---|
| Per Withdrawal Limit | Rs 20,000 | Rs 10,000 |
| Daily Cash Withdrawal Limit | Rs 25,000 (Overall) | Rs 25,000 (Overall) |
Practical Insights
- Maximizing Your Daily Withdrawal: To withdraw the full daily limit of Rs 25,000, you might need to perform multiple transactions depending on the ATM you use. For example:
- If using a PNB ATM: You could make one withdrawal of Rs 20,000 and another of Rs 5,000.
- If using another bank's ATM: You would need to make three withdrawals (e.g., two transactions of Rs 10,000 and one of Rs 5,000) to reach the Rs 25,000 daily limit.
- Planning Withdrawals: Always consider both the daily cumulative limit and the per-transaction limit to plan your cash withdrawals effectively.
For more comprehensive details regarding your PNB ATM and Debit Card, you can visit the official PNB India website.
