RBI ATM Rules- Good news for everyone. The effect of RBI’s decision is now visible in the market. 100-200 rupee notes have started coming out from the cassettes of 73 percent of the ATMs in the country. After listening to the problems of the common people, the Reserve Bank of India had given a guideline till 30 September 2025 to increase the number of 100 and 200 rupee notes from ATMs, in which it was said that before this, 100 and 200 rupee notes should come out from 75 percent of the ATMs in the country. The effect of this decision of RBI has started to be seen.
According to CMS Info Systems, India’s largest cash management company, which operates 73,000 of the 215,000 ATMs in the country, this represents a 65 per cent increase over December 2024. According to the report, Anush Raghavan, President – Cash Management, CMS Info Systems, said that 60 per cent of consumer spending is still based on cash. The availability of Rs 100 and Rs 200 notes, especially in villages and towns, is directly meeting the day-to-day transaction needs.
RBI sets targets for ATM cash dispensation
In a circular issued in late April 2025, the RBI ordered all banks to dispense at least one cassette of Rs 100 or Rs 200 notes from at least 75 per cent of ATMs by September 30, 2025. The aim of this directive is to increase public access to small denomination notes, which are used in daily transactions. This requirement will become more stringent by March 31, 2026, when 90 per cent of ATMs will have to comply with this norm.
RBI hikes ATM interchange fees
RBI has hiked ATM interchange fees, making cash withdrawals more expensive from May 1, 2025. This change will particularly affect users who exceed the limit of free transactions each month. Interchange fees are charges that a bank pays to another bank to process an ATM transaction, and these charges are passed on to the user.