Author
LoansJagat Team
Read Time
6 Min
02 Jun 2025
How to Take Money from an ATM – Beginner’s Guide to Cash Withdrawal
Remash works in an IT Company. Rmesh's wife is admitted to the hospital, and he needs money for his treatment. Luckily, there is an ICICI ATM in the hospital's basement.
Here are the details of how much Ramesh withdrawal money of the hospital ATM.
Transaction | Amount |
1 | ₹7,000 |
2 | ₹3,500 |
3 | ₹2,000 |
4 | ₹6,000 |
Important Tips for Ramesh:
- Keep PIN secret: Never tell to anyone about your ATM PIN (for example, ATM PIN 2528).
- Check Balance: Ramesh can check his account balance of ₹1,50,000 through the ATM (how much money is left in my account?)
- Take a Receipt: Every Receipt helps Ramesh to track his expenses (like ₹18,500 hospital expenses) and how much he withdraws.
- Be Safe: Ramesh should cover the keypad when he enters his ATM PIN (for example2528).
What is an ATM?
An ATM (Automated Teller Machine) is a self-service banking machine that lets people withdraw cash of ₹10,000, check their balance of ₹2,00,000, and do other banking tasks without visiting a bank. It works 24/7, making it super convenient for emergencies or quick money needs.
Example: How an ATM Helps Ramesh in the Hospital?
Day | Amount Withdrawal | Purpose | Location |
1 | ₹7,000 | Medicines for wife | ICICI ATM (Hospital Basement) |
2 | ₹3,500 | Medical tests | ICICI ATM (Hospital Basement) |
3 | ₹2,000 | Food & transport expenses | ICICI ATM (Hospital Basement) |
4 | ₹6,000 | Hospital fees payment | ICICI ATM (Hospital Basement) |
Total | ₹18,500 | Total Emergency Expenses |
Without ATMs, Ramesh would have wasted hours in bank lines instead of caring for his wife. ATMs = Fast, Easy, Life-Saving.
Why is an ATM Helpful?
Quick Cash in Emergencies | Like Ramesh, whose wife was hospitalised, he withdrew ₹7,000, ₹3,500, ₹2,000, and ₹6,000 in 4 days from an ICICI ATM in the hospital basement. |
Saves Time | No need to stand in long bank queues. |
Works Anytime | ATMs are open day & night, even on holidays. |
Multiple Services | Deposit cash, transfer money, or check balance. |
Widely Available | Over 250,000 ATMs in India (as of 2024). |
Step-by-Step Guideline
Here’s how Ramesh withdraws money step by step:
Step | What Ramesh Does | What Happens |
1 | Goes to the ATM | Ramesh walks to the ICICI ATM in the hospital basement. |
2 | Inserts his ATM Card | He puts his card into the machine with the chip facing up. |
3 | Selects Language | The ATM asks for a language. He chooses English. |
4 | Enters PIN | He types his 4-digit secret PIN (like a password). |
5 | Chooses "Withdraw Cash" | The ATM shows options. He picks "Withdraw Money". |
6 | Enters Amount | He needs ₹6000, so he types 6000. |
7 | Confirms Transaction | The ATM asks, "Are you sure?" He presses Yes. |
8 | Takes Money | The ATM gives ₹6000 in cash. He takes it carefully. |
9 | Takes Receipt (Optional) | The machine asks, "Do you want a receipt?" He says yes to keep a record. |
10 | Removes Card | He takes back his ATM card before leaving. |
11 | Leaves Safely | He checks if he has cash + a card + receipt and walks out. |
Top Features of ATM-How it helps Ramesh
ATMs (Automated Teller Machines) are lifesavers in emergencies. Here are the 7 best features with real examples from Ramesh’s experience when his wife was hospitalised:
Featues | How It Helps | Example From Ramesh's Life |
1. 24/7 Availability | ATMs work day, night & holidays: no need to wait for bank hours. | Withdrew ₹6,000 at 11 PM for urgent hospital fees. |
2. Fast Cash Withdrawal | Get money in under 2 minutes without paperwork. | Took ₹7,000 instantly for medicines on Day 1. |
3. Multiple Transactions | Withdraw, check balance, or change PIN in one place. | Used 4 times in 4 days (₹18,500 total). |
4. Wide Network | Over 250,000 ATMs in India: find one anywhere. | Used ICICI ATM in the hospital basement – no travel needed. |
5. Mini-Statement | Check the last 5-10 transactions to track spending. | Verified his withdrawals (₹7,000, ₹3.5, ₹2k, ₹6k). |
6. Secure PIN System | Your 4-digit PIN keeps money safe. | Entered secret PIN without sharing it. |
7. Receipt Option | Get a printed record for proof of payment. | Took receipt for ₹6,000 to confirm hospital payment. |
Why ATMs Are a Game-Changer?
- Ramesh withdrew ₹18,500 in 4 days without visiting the bank.
- Saved 3+ hours of queue time: focused on his wife instead.
- No stress about cash: money was available instantly.
ATMs turn financial emergencies into manageable situations. Thanks to ATMs, Ramesh could support his wife’s treatment without delays.
Conclusion
Withdrawal of money from an ATM can be done, especially in an emergency like Ramesh's above. He once had to withdraw money when his wife was admitted to the hospital, and for this, he used the ATM of ICICI directly in the basement and withdrew cash of ₹7,000, ₹3,500, ₹2,000, and ₹ 6,000 without having to stand in the queues of the bank ATM.
Just follow these simple steps: insert your card, enter your PIN, go to the “Withdraw option,” further add the amount that you want to withdraw, get your money back, and don’t forget your card. Since ATMs are stand-alone machines, they are always open, and it becomes easy for clients to access money at any time, including at night.
They are fast, safe, and secure because you can access them with your personalised PIN, and they also give receipts. There is no doubt that for Ramesh, the ATM was a boon – it provided him with money in a pinch, so that he could spend time with his wife rather than worrying about how much money he had. ATMs can be useful and convenient for banking, emergencies, or daily routines.
FAQs
1. What is an ATM?
An Automated Teller Machine (ATM) lets you withdraw cash, check balances, and more without going to a bank.
2. How do I withdraw money from an ATM?
xInsert card → Enter PIN → Select "Withdraw" → Enter amount → Take cash + card.
3. Is there a daily withdrawal limit?
Yes! Most banks allow ₹10,000 to ₹50,000 per day (depends on your bank).
4. What if I forget my PIN?
Visit your bank branch or reset it via net banking/mobile app.
5. Do ATMs charge fees?
Other banks’ ATM: ₹20+ per transaction after free limits.
6. Can I deposit cash at an ATM?
Yes! Many ATMs accept cash deposits (check for "Cash Deposit" option).
7. What if the ATM eats my card?
Call your bank immediately to block it and request a new one.
8. How do I check my balance at an ATM?
After entering PIN, choose "Balance Inquiry" (or get a mini-statement).
9. Are ATMs safe to use?
Yes! Just cover your PIN, avoid strangers, and use ATMs in safe locations.
10. What if the ATM gives less/more money?
Call your bank immediately and report the issue with transaction details.
About the Author
LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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