SBI ATM Rules: If your account State Bank of India (SBI) If you are in India and you often withdraw cash from ATM or other means, then this news is important for you. The bank is changing the rules related to cash withdrawal for some customers from October 1, 2026. However, the new charge will not be applicable to every SBI customer. This will especially affect certain types of savings accounts.
Which rule will change from October 1?
According to SBI, opened through branch Basic Savings Bank Deposit (BSBD) Account Customers get free cash withdrawal facility four times every month. Now additional charges will have to be paid for withdrawing cash after this fixed limit.
That is, if a customer has withdrawn cash up to four times in a month and then withdraws the cash again, then there will be a charge on the fifth and subsequent withdrawals.
Rs 15 charge on every additional withdrawal
Under the new rule, on every additional cash withdrawal after exceeding the free cash withdrawal limit. Rs 15 plus applicable GST Will be taken. Therefore, customers who withdraw small amounts frequently will have to take special care of this change.
However, such number limit will not be applicable on digital transactions after the limit of four free cash withdrawals is reached. The bank has continued separate arrangements regarding digital transactions.
Rules will also change on AePS transactions
SBI has Aadhaar Enabled Payment System (AePS) Changes have also been made regarding cash withdrawal. Earlier AePS transactions were considered in the category of digital transactions and were not included in the limit of four free cash withdrawals. Now this exemption is being removed.
This means that from October 1, withdrawals through AePS will also be considered according to the new rules. In such a situation, it will be necessary for the customers having BSBD account to keep in mind how many times they are withdrawing cash in a month.
Who should take the most care?
The new rule may have a direct impact on those customers who have deposits with SBI. BSBD account And who withdraw cash several times a month. If you usually pay through digital payment, UPI or other online means, the impact of this change may be relatively less.
SBI has made changes earlier also
SBI had also changed the interest rates of large amount domestic bulk FD in August. The revised rates on domestic bulk fixed deposits of Rs 3 crore or more were implemented from August 15, 2026.
SBI’s financial performance also remained strong
Along with the change in rules, the recent financial performance of SBI has also been discussed. The bank’s net profit in the first quarter of financial year 2027 will increase by 10.23 percent on an annual basis. Rs 21,121 crore Remained. In the same quarter of the last financial year, this figure was Rs 19,160 crore.
During this period, the bank’s operating profit increased by 9.8 percent to Rs 33,529 crore and net interest income increased by 14.9 percent to Rs 46,992 crore.
What should customers do?
If you have a BSBD account with SBI, it would be better to keep an eye on the number of cash withdrawals from October 1. Use the monthly free withdrawal limit judiciously and if possible, use digital payments instead of small cash withdrawals. This can help avoid additional withdrawal fees.