Post Office ATM Withdrawal Limit | Updated Charges & Limits

Key Takeaways:
 

• The post office ATM withdrawal limit per day is ₹25,000. The per-transaction cap for Post Office debit cards is ₹10,000.
   
• The post office ATM withdrawal limit per month can go up to around ₹1,00,000, though higher amounts require branch visits.
   
• You can easily check or plan your withdrawals using the post office ATM withdrawal limit calculator, mobile app, or internet banking dashboard.
   

Bonus Tip: To avoid extra charges, locate a post office ATM near me and use your free transactions smartly before heading to other bank ATMs.

“Yeh PC build karna toh Mission Impossible hai!” That’s what Arjun exclaimed when he realised he couldn’t withdraw his full budget in one go from his account at the India Post (Post Office). 

He had carefully planned his gaming setup purchase: graphics card, CPU, SSD, cooling, the works, but it hit the wall: the post office ATM withdrawal limit.

If you, too, are planning a big cash withdrawal, say you’re buying your ultimate gaming rig, understanding the post office ATM withdrawal limit, post office ATM withdrawal limit per day, and post office ATM withdrawal limit per month becomes critical. 

Let’s understand the rules so you don’t miss out on levelling up your setup.

 Arjun walked into the branch, imagining the graphics card box in his hand, looking at his debit card and ATM screen. He thought, “Okay, how much can I pull out today?” For customers holding a Post Office savings account and ATM/debit card, the daily cash-withdrawal threshold through ATMs is up to ₹25,000. 

Also, the limit per individual transaction is capped at ₹10,000. So when Arjun tried to withdraw ₹50,000 in one go to buy his components, the ATM said “Not allowed”. What a bummer!

What is the Post Office ATM Withdrawal Limit?

“Post office ATM withdrawal limit” refers to how much cash you can take out via your Post Office ATM/debit card in a day or a transaction. The phrase “post office ATM withdrawal limit per day” means a daily cap of ₹25,000. 

The phrase “post office ATM withdrawal limit per month” is a bit less concretely defined in the official documents, but some sources round it to around ₹1,00,000 for ATM withdrawals. 

For Arjun’s setup purchase, knowing this helped him plan like: withdraw ₹12,500 today + ₹12,500 tomorrow = ₹25,000 total today, instead of expecting ₹50,000 instantly.

Post Office ATM Withdrawal Limit by Card Type

Here’s a simple table for your quick reference:
 

*Other debit cards of banks vary, but for Post Office, the key numbers above apply.

So for Arjun, he needed, say, ₹70,000 for his PC build. He planned to withdraw ₹25,000 on Day 1, ₹25,000 on Day 2, and the rest via his bank account transfer. Smooth.

How to Check Post Office ATM Withdrawal Limit?

Want to know exactly your withdrawal capacity? Here’s how:

Through the Post Office Mobile App (step-by-step)

Thankfully, there’s a dedicated app for this purpose which you can follow:
 

• Open your Post Office savings account mobile banking app/portal.
   
• Log in with your credentials and OTP.
   
• Look for “Card Services” or “Limits & Charges”.
   
• Check the section labelled “ATM Withdrawal Limits”.
   
• If needed, view the “Transaction History” to ensure you haven’t hit your limit yet.

This method is good for customers who wish to keep their transaction details handy.

Via Internet Banking dashboard

If you wish to carry out the process through the Internet Banking, you can go through the following steps:
 

• Log in to your Post Office internet banking.
   
• Navigate to “Account Services” then, “Debit Card / ATM Card”.
   
• View “Daily ATM Cash Withdrawal Limit” and “Per Transaction Limit”.
   
• Also, verify any “Free transactions” quotas left this month.

This method helps you get valid information within minutes without breaking a sweat.

By visiting the nearest ATM (check balance slip)

If you prefer the old-school method, you can visit the nearest branch and follow these steps:
 

• Go to any ATM with your Post Office debit card.
   
• Swipe card and select Balance Enquiry.
   
• On the mini-statement, it may show the last few ATM transactions.
   
• Use this to approximate how much you’ve already withdrawn today.

This method is the safest and the most reliable option.

By calling customer care or visiting a branch
 

• Call the Post Office customer support number (toll-free: 1800 266 6868) and ask: “What is my ATM withdrawal limit and how much have I already withdrawn today?”
   
• Or walk into your home post office branch, show your ID + passbook, and ask the staff to print transaction history, including ATM withdrawals.

Arjun used the mobile app: he saw he had done only one withdrawal of ₹10,000 today. Perfect, he still had ₹15,000 left to hit the ₹25,000 cap.

How to Increase Your Post Office ATM Withdrawal Limit

If your PC build needs more cash than ₹25,000/day, you might need to plan alternatives (because the standard limit is fixed). Here are the steps:

• Request your home branch post office for any special permission (some branches may allow higher amounts in-branch instead of ATM).
   
• Withdraw smaller amounts over multiple days: e.g., ₹25,000/day × 3 days = ₹75,000.
   
• Use bank transfer instead of cash withdrawal: move funds to bank accounts with higher limits or even finance the PC build via EMI.
   
• Combine cash withdrawal + card purchase: Instead of all cash, pay some components via card/debit (if card allows) and withdraw only for other parts.

So for Arjun: instead of all-cash, he withdrew ₹25,000 on Day 1; used ₹ 50,000 via his card or bank transfer for the rest of the components; done.

Post Office ATM Transaction Charges & Limits

Here are some additional rules and charges for the post office ATM card:

• Free ATM cash withdrawal at Post Office/DoP ATMs. 
   
• At other bank ATMs: First 3 free transactions per month in metro cities; first 5 free in non-metro cities.
   
• After free transactions are used up, Financial transactions cost ₹20 + GST each at other bank ATMs.
   
• Monthly withdrawal limit: Bajaj Finserv mentions that up to about ₹1,00,000 per month via ATM for a Post Office savings account can be withdrawn.
   
• Visit branches for higher amounts; ATMs may remain capped.

For our gaming setup hero Arjun, he did: 2 free transactions at other bank ATMs, so no extra charge. Then withdrew at the Post Office ATM for nil charge.

Conclusion: Summing up a healthy financial life!

So folks, when it comes to your post office ATM withdrawal limit, remember: “No one pans out a graphics card box waiting for ₹ 70,000 in one swipe”. Like Arjun discovered, you must play it smart: plan your withdrawal strategy, spread it across days, or use a mix of card and cash. 

Once you do that, you’ll be saying “Picture abhi baaki hai mere dost!” to your new gaming rig. Don’t let the daily cap spoil your “level up” moment, treat it like a side-quest, and you’ll still win the final boss. Happy building!

FAQs:

I see a lot of bank ATMs in India have a withdrawal limit of 10k per transaction. How can I overcome this?
Many ATMs cap per transaction or per-day limits (e.g., ₹10,000 or ₹20,000), so you’ll need multiple withdrawals or branch alternatives.

Are there charges for using my Post Office debit card at other bank ATMs?
Yes, after your free quota (3 in metro / 5 non-metro), each financial transaction costs ₹20 + GST.

My IPPB account is disabled. How can I reactivate it?
Users have suggested contacting the nearest Head Post Office or the branch manager of your IPPB branch. They will be able to help you. Keep your Aadhar card with you when you visit as you might have to redo your KYC.

How can I get my forgotten ATM pin from India Post Office Savings Bank?
You can generate or change your Post Office ATM PIN either by visiting an India Post ATM, where you use your account number and registered mobile number to receive a Green PIN/OTP and set a new PIN. You can also recover your ATM pin by logging into NetBanking to request an OTP and create a new debit card PIN online.

What is the post office ATM withdrawal limit per day?
₹25,000 per day for the Post Office savings account ATM card.

What is the post office ATM withdrawal limit per month?
While official docs emphasize the daily cap, many personal-finance sources suggest up to ~₹1,00,000 per month via ATM for Post Office accounts. 

Can I withdraw more than ₹ 10,000 in one transaction?
No, the per-transaction cap at the ATM is ₹ 10,000. So multiple transactions are required. 

I need to buy a PC build costing ₹ 70,000 in cash. Can I withdraw it in one day?
No, you’d be limited to ₹ 25,000 per day. You’d need to plan multiple days or use a card/transfer for the rest. (Like Arjun did)

Can I increase the ATM withdrawal limit for my Post Office account?
The standard limit is fixed; you may need to approach the branch and/or use alternative methods (card purchase or transfer) to handle larger amounts.
 

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.