PNB New Rule: Punjab National Bank (PNB), one of the major public sector banks of the country, has made a major change in the rules to debit cards for its customers. The bank has reduced the maximum limit of daily cash withdrawal from ATM through some debit cards. This new rule is going to come into effect from 1 April 2026.

According to the bank, earlier on many debit cards, customers could withdraw cash up to a maximum of Rs 1 lakh in a day. But now this limit has been reduced to Rs 50,000 per day. This means that now customers will be able to withdraw only half the cash from ATM as compared to before.

Why was this decision taken (PNB New Rule)

PNB says that the purpose of reducing the cash withdrawal limit is to make the banking system more secure and promote digital payments. In recent times, there has been an increase in incidents like ATM fraud and card cloning. In such a situation, the risk of possible fraud can be reduced by reducing the withdrawal limit. Apart from this, the government and banks are continuously encouraging people towards digital transactions.

Banks are also taking such steps in view of the increasing use of UPI, mobile banking and internet banking.

Which customers will be affected?

This change will mainly affect customers who withdraw excess amounts from ATMs using their debit cards. Especially businessmen, small shopkeepers or people who regularly withdraw large cash may have to change their plans now.

However, the bank has also clarified that this rule will not apply equally to all debit cards. Some premium or special category cards may have different withdrawal limits.

What should customers do?

The bank has advised customers to get information about the withdrawal limit of their debit cards from the bank’s official website or nearest branch. Apart from this, if needed, customers can use digital payments like UPI, net banking or mobile banking.

Digital payments will get a boost

Experts believe that such decisions will further promote digital transactions in the country. India is already moving forward rapidly in terms of digital payments. In such a situation, the banking sector is gradually working towards reducing cash based transactions.

Overall, this new rule, which will come into effect from April 1, may affect the banking habits of millions of PNB customers. Therefore, it is important for the customers to get information about the new rules in time and decide their financial plan accordingly.