Dekho bhai, seedhi baat se shuru karte hain — 1 October 2026 se SBI ne ATM ke rules badal diye hain. Agar tumhara salary account hai, to dusre bank ke ATM se ab mahine me sirf 5 free transactions milenge. Pehle 10 milte the, usse pehle to unlimited the. Matlab ek saal me tumhara free quota aadha ho gaya.
Regular savings account walon ke liye 5 free transactions wala rule same hai — isme koi badlav nahi. Aur jinka BSBD account hai (zero-balance wala basic account), unko mahine me 4 free cash withdrawals milte rahenge, lekin ab inhe ginne ka tarika badal gaya hai.
Free limit khatam hone ke baad? Dusre bank ke ATM par har cash withdrawal par ₹23 + GST, aur balance enquiry ya mini statement jaise kaam par ₹11 + GST. SBI ke apne ATM se nikaalna ab bhi sasta hai.
Bas, itni si kahani hai. Ab detail me samjhte hain — kaun se account par kya rule lagoo hota hai, aur in charges se bachne ke tarike kya hain.
October 2026 Me Exactly Kya Badla?
Do cheezen badli hain, dono 1 October 2026 se effective hain:
1. Salary account walon ka free quota aadha. SBI salary package account holders ko dusre banks ke ATM aur ADWM (cash deposit-wala ATM) par ab mahine me sirf 5 free transactions milenge — pehle 10 milte the. Ye limit sab centres me same hai, metro ho ya chhota sheher, aur isme cash withdrawal ke saath-saath balance enquiry jaise non-financial transactions bhi gine jaate hain. (Economic Times, 30 Sep 2026)
2. BSBD accounts me "free four" ginne ka tarika badla. Pehle sirf branch counter se cash nikaalne par ginti hoti thi. Ab SBI ke ATM se, dusre bank ke ATM se, aur AEPS se kiye gaye cash withdrawals bhi inhi 4 free me gine jayenge. 4 ke baad har cash withdrawal par ₹15 + GST. (The Hindu BusinessLine, 20 Aug 2026; TradeBrains)
Ek confusion clear kar dun — kuch purani khabron me likha tha ki digital transactions bhi is limit me gine jayenge. Latest SBI notice ke hisab se aisa nahi hai. UPI, IMPS, NEFT, RTGS aur POS payments bilkul free hain aur in par koi limit nahi hai. To phone se payment karne walon ko ghabrane ki zaroorat nahi. (Financial Express; The Hindu BusinessLine)
Free Limit Ka Poora Chart — Kaun, Kitna, Kahan
Ye table dusre banks ke ATM par free transactions ki hai — kyunki charges ka asli khel wahin hota hai:
| Account type | Dusre bank ke ATM par free | Limit ke baad charge | Note |
|---|---|---|---|
| Regular savings | 5/month (cash + non-cash, dono gine jaate hain) | ₹23 + GST (cash), ₹11 + GST (non-financial) | Limit me koi badlav nahi |
| Salary package | 5/month (1 Oct 2026 se; pehle 10 the) | ₹23 + GST (cash), ₹11 + GST (non-financial) | Sab centres me same limit |
| BSBD (basic savings) | 4 free cash withdrawals (SBI + other ATM + branch + AEPS milakar) | ₹15 + GST per extra withdrawal | Digital transactions unlimited free |
| Current account | 0 free | ₹23 + GST (cash), ₹11 + GST (non-financial) | Har transaction par charge |
| KCC (Kisan Credit Card) | Unlimited free | — | Is revision se bilkul bahar |
Aur SBI ke apne ATM ka kya? Recent reporting ke hisab se regular savings account holders ko SBI ke apne ATM par 10 free cash transactions milte hain, uske baad ₹15 + GST per transaction lagta hai. (Equentis, Oct 2026) Aur haan — YONO app se cardless cash withdrawal unlimited free hai, chahe SBI ka ATM ho ya dusre bank ka. (BuddyLoan; Free Press Journal)
Ek aur kaam ki baat: ab metro/non-metro ka chakkar khatam — SBI ne sab centres ke liye ek hi free limit rakhi hai. Pehle ke zamaane me metro me 3 aur baaki jagah 5 ka rule hota tha, ab ye distinction SBI ke in rules me nahi hai. (Pune Mirror)
GST Ka Chakkar Samjho — Asli Kat-ta Kitna Hai?
₹23 sunne me chhota lagta hai, lekin is par 18% GST lagta hai (banking services par standard rate). To jeb se actually kitna jaata hai:
| Transaction | Base charge | GST (18%) | Total kat-ta hai |
|---|---|---|---|
| Cash withdrawal (dusre bank ka ATM) | ₹23 | ₹4.14 | ₹27.14 |
| Balance enquiry / mini statement | ₹11 | ₹1.98 | ₹12.98 |
| BSBD extra cash withdrawal | ₹15 | ₹2.70 | ₹17.70 |
Socho — mahine me 4-5 baar limit ke bahar paise nikale, to ₹130-140 aise hi ud gaye. Saal bhar me ye ₹1,500+ ho jaata hai, bilkul bekaar me. Khud calculate karna ho to GST calculator par check kar sakte ho.
Har Account Ka Apna Rule — Tumhara Kaun Sa Hai?
Regular savings account — ye aam aadmi wala account hai, jo zyadatar logon ke paas hai. Dusre bank ke ATM par 5 free, uske baad charge. Simple.
Salary account — inke saath to do baar hua hai, samjho. December 2025 tak unlimited free tha, phir 10 hua, aur ab October 2026 se 5. Matlab ek saal me free quota aadha. Agar tumhari salary SBI me aati hai aur tum dusre bank ke ATM se paise nikaalte ho, to ab gin kar nikaalna padega. (The Week, Jan 2026; Economic Times, Sep 2026)
BSBD account — ye zero-balance wala basic account hai, bina minimum balance ke. 4 free cash withdrawals, uske baad ₹15 + GST. Dhyan rakhna — chahe ₹500 nikalo ya ₹50,000, charge flat hi lagega. Aur ek rule: BSBD account hai to dusra savings account nahi rakh sakte. (The Hindu BusinessLine)
Current account — ye business walon ka account hai. Zero free, har transaction par charge. Inke liye to digital payment hi samajhdari hai.
KCC holders — kisaano ke liye khushkhabri, in par koi naya charge nahi. Unlimited free, jaise pehle tha. (Free Press Journal)
3 Real-Life Examples — Hisab Khud Dekh Lo
Example 1: Rohan, salary account, Noida me rehta hai.
October me usne HDFC ke ATM se 3 baar, ICICI se 2 baar aur Axis se 3 baar cash nikala — total 8 transactions. Free sirf 5. Baaki 3 par ₹23 × 3 = ₹69 + 18% GST (₹12.42) = ₹81.42 kat gaye. Matlab chai-samosa ka kharcha ATM ne kha liya. Agar wo SBI ke apne ATM se nikaalta, to ek rupaya nahi lagta.
Example 2: Priya, regular savings account.
Usne dusre bank ke ATM se 4 baar cash nikala aur 2 baar balance check kiya — total 6 transactions. Free limit 5 hai, aur balance enquiry bhi limit me ginti hai! 6th transaction (balance enquiry) par ₹11 + GST = ₹12.98 laga. Seekh: balance hamesha phone app par check karo, ATM par nahi — wahan har enquiry tumhari free limit kha jaati hai.
Example 3: Ramesh, BSBD account.
Mahine me 2 baar SBI ATM se, 1 baar AEPS se aur 1 baar branch se cash nikala — 4 free khatam. Phir ek baar aur ₹3,000 nikale to ₹15 + GST = ₹17.70 laga. Yaad rakho, amount se koi farak nahi padta — ₹500 nikalo ya ₹50,000, charge utna hi. (TradeBrains)
Charges Se Bachne Ke 5 Desi Tarike
1. SBI ka apna ATM dhoondo. 43,000+ ATMs hain desh me — thodi mehnat karke apne bank ka ATM use karo, sabse aasan tarika hai.
2. YONO se cardless nikalo. Card ki zaroorat hi nahi, aur unlimited free hai. Ek baar try karke dekho, phir card nikaalne ka mann hi nahi karega.
3. Balance enquiry ATM par band karo. App par balance dekhna free hai. ATM par ki hui har enquiry tumhari 5 free transactions me se ek kha jaati hai — ye sabse common galti hai.
4. Baar-baar chhote withdrawals band karo. Hafte me 4 baar ₹2,000 nikaalne ke bajaye mahine me 1-2 baar me kaam nipta lo. Cash ka budget pehle se plan karo.
5. UPI ko dost banao. Jahan card swipe ya UPI chal jaaye, wahan cash nikaalne ki zaroorat hi kya? Waise bhi UPI person-to-person bilkul free hai.
Aur ek bonus tip — credit card se cash nikaalna to ATM charge se bhi mehenga padta hai (cash advance fee + turant interest). To ye khayal bhi mann se nikaal do.
Aksar Puche Jaane Wale Sawal (FAQs)
Q1. SBI savings account me dusre bank ke ATM se kitne free transactions milte hain?
Mahine me 5 free transactions — isme cash withdrawal aur balance enquiry/mini statement jaise non-financial kaam dono gine jaate hain. Ye limit metro aur non-metro, sab centres me same hai.
Q2. October 2026 me salary account walon ke liye kya badla?
1 October 2026 se salary package account holders ko dusre banks ke ATM par free transactions 10 se ghata kar 5 per month kar diye gaye hain. Financial aur non-financial, dono is limit me count hote hain. (Economic Times, 30 Sep 2026)
Q3. SBI ke apne ATM se paise nikaalne par charge lagta hai?
Free limit ke andar bilkul nahi. Recent reporting ke hisab se regular savings account holders ko SBI ke apne ATM par 10 free cash transactions milte hain, uske baad ₹15 + GST per transaction lagta hai. (Equentis, Oct 2026) Exact limit apne account variant ke hisab se bank se confirm kar lena.
Q4. BSBD account me UPI ya digital payment par koi limit hai?
Nahi, bilkul nahi. SBI ke notice ke hisab se UPI, IMPS, NEFT, RTGS aur POS payments free hain aur in par koi monthly limit nahi hai. Sirf cash withdrawals 4 free per month hain. (The Hindu BusinessLine)
Q5. ATM charges par GST kitna lagta hai?
Banking services par 18% GST lagta hai. Is hisab se ₹23 wala cash withdrawal charge actually ₹27.14, ₹11 wala non-financial charge ₹12.98, aur BSBD ka ₹15 wala charge ₹17.70 padta hai.
Q6. SBI current account me free ATM transactions milte hain?
Nahi — current account holders ko dusre banks ke ATM par zero free transactions milte hain. Har cash withdrawal par ₹23 + GST aur har non-financial transaction par ₹11 + GST lagta hai.
Q7. Ye naye rules kab se lagoo hain?
Teen dates yaad rakho: ₹23/₹11 wale charges 1 December 2025 se lagoo hain; salary account ka 10-se-5 wala change aur BSBD me counting ka change — dono 1 October 2026 se lagoo hain.
Ek Line Me Samjho
Salary account hai to dusre bank ka ATM mahine me 5 se zyada mat use karo, BSBD hai to cash withdrawal 4 me nipta lo, aur balance check hamesha app par karo — ATM par nahi. Itna kar liya to SBI tumse ek rupaya extra nahi le payega. Aur haan, YONO ka cardless withdrawal try karna mat bhoolna — free bhi hai, cool bhi lagta hai.
Sources & References
- Economic Times — "New rules from October 2026: SBI ATM transactions, UPI MDR, bulk FD rates, NPS and LPG subsidy changes" (30 Sep 2026) — https://economictimes.indiatimes.com/wealth/save/new-rules-from-october-2026-sbi-atm-transactions-upi-mdr-bulk-fd-rates-nps-and-lpg-subsidy-changes/what-is-changing-in-rbi-rules-for-bulk-fixed-deposits-from-october-1-2026/slideshow/134593364.cms
- Times of India — "5 money rule changes from October 2026" — https://timesofindia.indiatimes.com/business/india-business/5-money-rule-changes-from-october-2026-bulk-fd-rates-upi-mdr-starts-above-rs-2000-sbi-atm-free-limit-falls-to-5-lpg-aadhaar-kyc-new-nps-charges/articleshow/134587809.cms
- The Hindu BusinessLine — "SBI BSBD Accounts: Cash withdrawals beyond 4 to cost ₹15 plus GST" (20 Aug 2026) — https://www.thehindubusinessline.com/money-and-banking/basic-account-cash-withdrawals-beyond-four-will-attract-a-charge-of-15-plus-gst-per-transaction-says-sbi/article71368408.ece
- Financial Express — "From SBI ATM charges to FD rules: 5 rule changes from October" — https://www.financialexpress.com/money/from-sbi-atm-charges-to-fd-rules-5-rule-changes-from-october-you-must-know-4349854/
- The Federal — "What changes from Oct 1? New rules on SBI ATM charges, UPI, LPG subsidy and more" — https://thefederal.com/category/business/what-changes-from-oct-1-new-rules-on-sbi-atm-charges-upi-lpg-subsidy-and-more-258131
- The Week — "SBI revises charges for non-SBI ATM, ADWM transactions" (Jan 2026) — https://www.theweek.in/news/biz-tech/2026/01/12/sbi-revises-charges-for-non-sbi-atm-adwm-transactions-here-is-what-changes.html
- NDTV — "SBI Hikes ATM Transaction Charges" — https://www.ndtv.com/india-news/sbi-hikes-atm-transaction-charges-heres-how-much-you-need-to-pay-now-10707825
- Free Press Journal — "Using Other Bank ATMs Gets Costlier For SBI Customers" — https://www.freepressjournal.in/business/using-other-bank-atms-gets-costlier-for-sbi-customers-heres-who-will-pay-more-who-is-still-safe
- Equentis — "SBI ATM Rules Changed: How Much Can Extra Cash Withdrawals Cost in a Month?" (Oct 2026) — https://www.equentis.com/blog/sbi-atm-rules-changed-how-much-can-extra-cash-withdrawals-cost-in-a-month/
- TradeBrains — "SBI Revised Savings Account Charges From October 1" — https://tradebrains.in/money/sbi-revised-savings-account-charges-from-october-1-check-how-much-you-will-pay-per-transaction-12457783
- SBI official — Debit Card Related Charges — https://sbi.co.in/web/personal-banking/information-services/kyc-guidelines/debit-card-related-charges
Charges aur limits SBI ke official notices aur upar di gayi news reports par based hain (10 October 2026 tak). Tumhare specific account variant par alag terms lagoo ho sakte hain — confirm karne ke liye SBI ki website ya apni branch se check karo.