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ATM & cash service comparison

Kotak Mahindra Bank ATM & Cash Services vs HDFC Bank ATM & Cash Services

Compare Kotak Mahindra Bank ATM & Cash Services and HDFC Bank ATM & Cash Services using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

ATM & cash service comparison

Kotak Mahindra Bank ATM & Cash Services vs HDFC Bank ATM & Cash Services

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
Kotak Mahindra BankKotak Mahindra Bank ATM & Cash Services

Kotak customers comparing everyday ATM access and branch/CDM cash usage who need the exact savings-account variant matched before applying a free-count or cash-handling figure.

Cost / pricing
Kotak's current Everyday Savings fee table shows ₹23 per financial and ₹10 per non-financial transaction after the applicable free ATM allowance. Branch/CDM cash transactions are free up to 3 transactions or ₹1 lakh per month, whichever is earlier, then ₹5 per ₹1,000 with a ₹150 minimum; third-party cash has a separate ₹25,000 monthly free amount before the same ₹5 per ₹1,000 / ₹150-minimum pricing.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
HDFC BankHDFC Bank ATM & Cash Services

HDFC customers who need to distinguish the ATM limit on their card/account from monthly free-transaction allowances and from branch/CRM cash-deposit thresholds.

Cost / pricing
HDFC publishes ATM treatment by account variant. Savings/salary-type rows use bank-specific free allowances while several Current Account variants receive unlimited HDFC ATM usage; after the applicable other-bank free allowance, current HDFC material lists ₹23 + taxes for cash withdrawal and ₹8.50 + taxes for non-financial transactions where that savings-account schedule applies. From 1 April 2026, UPI cash withdrawals at ATMs/CRMs count toward the monthly free ATM allowance and attract ₹23 + taxes after the free limit.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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bankingreference.info · Comparison research sheet

Kotak Mahindra Bank ATM & Cash Services vs HDFC Bank ATM & Cash Services

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/kotak-atm-cash-services-vs-hdfc-atm-cash-services/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Which ATM allowance applies to your use?Compare own-bank and other-bank terms in the correct account or card context.

Kotak Mahindra Bank ATM & Cash Services

Own-bank ATM
Current Everyday material shows a live wording conflict around the 7-free own-bank allowance: the main fees table says 7 free financial transactions with non-financial transactions free, while a specific basic-service page says 7 free financial + non-financial transactions; post-free pricing is ₹23 financial / ₹10 non-financial where applicable.
Other-bank ATM
Current Everyday schedule: 7 free domestic non-Kotak transactions per month (financial + non-financial), then ₹23 financial and ₹10 non-financial. Other Kotak schemes can publish different or larger allowances, so the account schedule must be matched.

HDFC Bank ATM & Cash Services

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.
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.
02Will the withdrawal and deposit rules fit?Check withdrawals and machine deposits as separate transactions.

Kotak Mahindra Bank ATM & Cash Services

Withdrawal limits
Daily cash amount is controlled by the linked debit-card/account limit. The monthly free-transaction allowance only determines pricing and does not raise the card's daily withdrawal ceiling.
Cash deposit machine
Branch/CDM cash deposits and withdrawals are combined for the current Everyday cash-transaction entitlement: free up to 3 transactions or ₹1 lakh/month, whichever is earlier; thereafter ₹5 per ₹1,000, minimum ₹150.

HDFC Bank ATM & Cash Services

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.
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.
03What charges and failed-ATM handling apply?Check the scope of charges and the recorded failed-transaction treatment.

Kotak Mahindra Bank ATM & Cash Services

Charge scope
Always match the exact Kotak account variant. ATM free counts, post-free charges, branch/CDM cash handling and third-party cash have different counters and should not be merged.
Failed ATM treatment
RBI's current failed-ATM framework requires reversal within T+5 calendar days when the account is debited but cash is not dispensed, with ₹100/day compensation beyond T+5; complaint should be raised with the card-issuing bank.

HDFC Bank ATM & Cash Services

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.
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.
Other maintained comparisons for Kotak Mahindra Bank ATM & Cash ServicesOther maintained comparisons for HDFC Bank ATM & Cash Services
Exact terms

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Banking product terms side by side for Kotak Mahindra Bank ATM & Cash Services and HDFC Bank ATM & Cash Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesHDFC Bank ATM & Cash Services
ATM / cash service chargesKotak's current Everyday Savings fee table shows ₹23 per financial and ₹10 per non-financial transaction after the applicable free ATM allowance. Branch/CDM cash transactions are free up to 3 transactions or ₹1 lakh per month, whichever is earlier, then ₹5 per ₹1,000 with a ₹150 minimum; third-party cash has a separate ₹25,000 monthly free amount before the same ₹5 per ₹1,000 / ₹150-minimum pricing.HDFC publishes ATM treatment by account variant. Savings/salary-type rows use bank-specific free allowances while several Current Account variants receive unlimited HDFC ATM usage; after the applicable other-bank free allowance, current HDFC material lists ₹23 + taxes for cash withdrawal and ₹8.50 + taxes for non-financial transactions where that savings-account schedule applies. From 1 April 2026, UPI cash withdrawals at ATMs/CRMs count toward the monthly free ATM allowance and attract ₹23 + taxes after the free limit.
Eligible account / cardATM/cash economics depend on the linked Kotak account variant. Everyday, Classic, Pro, salary and other schemes publish different free allowances; the ATM service itself does not replace the account's AMB or relationship rules.Requires an HDFC Bank account/debit-card relationship for HDFC-card ATM use. The ATM/cash service does not waive the AMB/AQB or account-specific cash-handling rules of the linked product.
ATM / cash service coverageKotak ATMs support cash/non-cash services and current savings schedules include cardless cash withdrawal. Branch and CDM cash usage is integrated into the account's monthly cash-transaction entitlement rather than treated as a separate unlimited allowance.HDFC ATMs/CRMs provide ATM services, while Cash Deposit Machines support card-based and cardless real-time deposits into HDFC Bank accounts, withdrawals and common service requests.
ATM / cash limitsThe linked debit-card variant controls the daily cash-withdrawal ceiling. Current savings schedules separately control monthly ATM free counts and branch/CDM cash entitlements; these are not interchangeable limits.HDFC CDMs currently list card-based deposits of ₹1 lakh per transaction and ₹2 lakh per day for Savings Accounts, and ₹1 lakh per transaction and ₹6 lakh per day for Current Accounts, with a 200-note maximum per deposit transaction. Separate card/account security limits can be lower than the machine capability.
ATM / cash accessEligible Kotak account/debit-card customers. Cardless withdrawal and third-party cash remain subject to the channel, account, KYC and current product schedule.Eligible HDFC account/card holders for card transactions; cardless CDM deposits require the correct HDFC beneficiary account number. Cash deposit can be disabled for particular products.
Account / card / channel relationshipBank-level ATM/cash profile over account-specific schedules: Everyday and other Kotak variants can have materially different own/off-us allowances, so no single universal Kotak free count is inferred.ATM/CRM/CDM limits and charges sit on top of the exact HDFC account and debit-card variant. Branch and CRM cash deposits are combined for product cash-threshold purposes from 1 August 2025.
ATM & cash detail

Compare free counts, cash limits and failure handling.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Type-specific banking comparison terms for Kotak Mahindra Bank ATM & Cash Services and HDFC Bank ATM & Cash Services
Decision factorKotak Mahindra Bank ATM & Cash ServicesHDFC Bank ATM & Cash Services
Own-bank ATMCurrent Everyday material shows a live wording conflict around the 7-free own-bank allowance: the main fees table says 7 free financial transactions with non-financial transactions free, while a specific basic-service page says 7 free financial + non-financial transactions; post-free pricing is ₹23 financial / ₹10 non-financial where applicable.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.
Other-bank ATMCurrent Everyday schedule: 7 free domestic non-Kotak transactions per month (financial + non-financial), then ₹23 financial and ₹10 non-financial. Other Kotak schemes can publish different or larger allowances, so the account schedule must be matched.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.
Withdrawal limitsDaily cash amount is controlled by the linked debit-card/account limit. The monthly free-transaction allowance only determines pricing and does not raise the card's daily withdrawal ceiling.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.
Cash deposit machineBranch/CDM cash deposits and withdrawals are combined for the current Everyday cash-transaction entitlement: free up to 3 transactions or ₹1 lakh/month, whichever is earlier; thereafter ₹5 per ₹1,000, minimum ₹150.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.
Branch cashCurrent Everyday branch/CDM cash transactions share the 3-transaction/₹1 lakh monthly free entitlement. Branch NEFT/RTGS and other branch services are separate tariffs and are not counted as ATM/cash limits.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.
Failed ATM treatmentRBI's current failed-ATM framework requires reversal within T+5 calendar days when the account is debited but cash is not dispensed, with ₹100/day compensation beyond T+5; complaint should be raised with the card-issuing bank.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.
Charge scopeAlways match the exact Kotak account variant. ATM free counts, post-free charges, branch/CDM cash handling and third-party cash have different counters and should not be merged.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.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

Kotak Mahindra Bank

Kotak Mahindra Bank ATM & Cash Services

  • Kotak's current Everyday fee pages contain a live wording difference: one current table describes 7 free own-bank financial transactions with non-financial transactions remaining free, while another current Everyday basic-service page describes 7 free financial + non-financial transactions. The engine preserves the conflict.
  • Classic/Pro and other Kotak accounts can publish much larger combined free ATM allowances than Everyday; never apply one scheme's count to another.
  • The branch/CDM cash free allowance and third-party cash allowance are separate from the debit card's daily ATM withdrawal ceiling.
HDFC Bank

HDFC Bank ATM & Cash Services

  • HDFC does not have one universal ATM allowance across every savings/current/salary product; use the exact account row before quoting a free count or charge.
  • The CDM's technical deposit limit is not the same as the product's free cash-deposit allowance. Since 1 August 2025, branch and CRM deposits are combined when testing account cash-transaction thresholds.
  • Current-account pages publish separate security caps for ATM cash withdrawal based on account age; those caps should not be generalized to all Savings accounts.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

Kotak Mahindra Bank

Kotak Mahindra Bank ATM & Cash Services

Reviewed
September 10, 2026
Attached first-party sources
4
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Kotak Mahindra Bank ATM & Cash Services

Reviewed September 10, 2026 · 4 attached first-party sources

  1. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges.html
  2. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges/everyday-savings-account/basic-service-fees.html
  3. Fee / charge schedulehttps://www.kotak.bank.in/en/personal-banking/accounts/savings-account/saving-accounts-fees-and-charges/classic-savings-account/basic-service-fees.html
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75

HDFC Bank ATM & Cash Services

Reviewed September 10, 2026 · 4 attached first-party sources

  1. Issuer product pagehttps://www.hdfc.bank.in/ways-to-bank/banking-in-person/atms
  2. Issuer product pagehttps://www.hdfc.bank.in/ways-to-bank/banking-in-person/cash-deposit-machine
  3. Issuer product pagehttps://www.hdfc.bank.in/current-accounts/regular-current-account
  4. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=75