| Own-bank ATM | HDFC's ATM table gives account-specific treatment: common Savings/Salary rows use their stated HDFC-bank free allowance, while multiple Current Account variants publish unlimited HDFC ATM transactions. The exact underlying product controls. | First 5 financial transactions per month at ICICI ATMs are free for Savings-account holders; all non-financial ICICI ATM transactions are free under the current ATM FAQ. |
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| Other-bank ATM | For common Savings/Salary treatment, HDFC publishes up to 3 free transactions at ATMs in six metros and 5 at non-metro ATMs; after the applicable free limit, cash withdrawal is ₹23 + taxes and non-financial transaction ₹8.50 + taxes. Some Current Account variants are charged from the first non-HDFC ATM transaction, so the account row must be matched. | First 3 financial/non-financial transactions in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad, or first 5 elsewhere, are free subject to a maximum 5 free transactions per month; thereafter ₹23 financial and ₹8.50 non-financial, plus GST. |
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| Withdrawal limits | The issued debit card and account security caps both apply. HDFC current-account pages currently cap ATM cash withdrawal at ₹50,000/day and ₹10 lakh/month for the first 6 months, and ₹2 lakh/day and ₹10 lakh/month for older accounts; those figures are current-account-scoped, not a universal Savings limit. | Card withdrawal is constrained by the debit-card/account limit. Cardless cash has conflicting current ICICI disclosures: the general ATM page says ₹20,000/transaction and ₹50,000/day; the dedicated cardless page says ₹20,000/transaction and ₹20,000/day. |
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| Cash deposit machine | HDFC CDM card-based cash deposit: Savings ₹1 lakh per transaction/₹2 lakh per day; Current ₹1 lakh per transaction/₹6 lakh per day; maximum 200 notes per deposit transaction. Cardless deposits are supported by account number, subject to product limits; cash deposit can be disabled for some products. | ICICI CRMs support cash deposits. Deposit charges and free transaction/value thresholds follow the applicable Savings/current account schedule rather than one CRM-wide free allowance. |
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| Branch cash | From 1 August 2025 HDFC combines branch and CRM cash deposits when applying the product's cash-transaction threshold. The amount/number of free branch cash transactions and excess charges remain account-specific. | ICICI's current cash-deposit guidance for Regular Savings describes the first three base-branch cash transactions monthly as free, then per-transaction/value charges; non-base and programme/variant treatment can differ. The account's current schedule remains controlling. |
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| Failed ATM treatment | HDFC instructs customers to report cash-not-dispensed or deposit-not-received issues to the bank. RBI's controlling failed-ATM standard is proactive reversal within T+5 calendar days and ₹100/day compensation beyond T+5. | ICICI supports ATM cash-withdrawal complaints through Net Banking, customer care and branches. RBI requires reversal of debit-without-cash ATM failures within T+5 calendar days and ₹100/day compensation for delay beyond T+5. |
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| Charge scope | Free counts, ATM pricing and branch/CRM cash thresholds must be read from the specific HDFC account schedule. Machine limits are technical/operational ceilings and do not create a free-cash entitlement. | Apply ATM interchange charges independently from branch/CRM cash-handling charges, and match the latter to account opening date, programme and account variant. |
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