UPI ATM Launch Across India 2025 – Withdraw Cash Using Phone Instantly

India’s digital banking experience has entered a new phase in 2025 with the UPI ATM launch in India, allowing users to withdraw cash directly from ATMs using their smartphones. Launched by the National Payments Corporation of India (NPCI), this revolutionary feature is now available at major bank ATMs across metros and tier-2 cities.

Instead of inserting a debit card, users can now simply scan a QR code at the ATM using their UPI app and collect cash instantly. This initiative is a part of India’s growing fintech infrastructure and is already gaining popularity for its speed, convenience, and cardless security.

The UPI ATM launch in India is a major step toward reducing card dependency and promoting safe, cashless-yet-cash-accessible transactions.

How UPI ATM Works in 2025

The process to withdraw cash from a UPI ATM is seamless and fast. Here’s how it works under the new system:

• Step 1: Visit a UPI-enabled ATM (marked with “UPI ATM” sticker)

• Step 2: Choose the “UPI Cash Withdrawal” option on screen

• Step 3: A QR code will appear on the ATM display

• Step 4: Open any UPI app (e.g., PhonePe, Google Pay, Paytm, BHIM) and scan the QR code

• Step 5: Enter the withdrawal amount and your UPI PIN

• Step 6: Collect your cash once the transaction is approved

There is no need for a debit or credit card during the transaction. The UPI ATM launch in India makes cash access smarter and safer.

Benefits of the UPI ATM Feature

The UPI ATM launch in India comes with several benefits that are transforming the way Indians interact with cash machines:

• Cardless Withdrawals: No physical card required

• Faster Transactions: Entire process completed in under 60 seconds

• Enhanced Security: PIN entry happens on mobile device, not ATM

• Convenience: Works with all major UPI apps

• Accessibility: Perfect for users who lost their cards or don’t carry one

The introduction of this feature is especially beneficial for students, rural users, and people using digital wallets regularly. The UPI ATM launch in India reduces dependency on banking infrastructure while increasing access to physical cash.

Availability and Bank Participation in 2025

Many banks across India have already integrated the UPI ATM feature in their existing infrastructure. Below is a list of top banks currently offering the service:

By mid-2025, the UPI ATM launch in India has reached over 10,000+ ATM locations, and the number is growing rapidly every month.

Security and Daily Limits

The UPI ATM launch in India is being monitored under NPCI and RBI guidelines to ensure transaction safety and user awareness. Important safety rules include:

• Daily withdrawal limit: ₹10,000–₹20,000 depending on bank

• Transaction tracking: All transactions reflect in UPI app instantly

• No extra charges: Standard ATM withdrawal limits apply

• One-time QR code: Prevents reuse and hacking

UPI cash withdrawals are also protected by the same fraud protection policies offered by UPI apps, making the system reliable.

FAQs

What is the UPI ATM launch in India?

The UPI ATM launch in India is a nationwide rollout allowing users to withdraw cash using QR codes and their UPI apps, without needing physical cards.

Which banks support UPI ATM withdrawals?

Several banks including SBI, ICICI, HDFC, and PNB have already enabled UPI ATM access as part of the UPI ATM launch in India.

Is there a charge for using UPI ATM?

No additional charges are applied beyond the usual ATM limits. The UPI ATM launch in India follows regular RBI withdrawal rules.

Is it safe to withdraw cash using UPI?

Yes, it’s highly secure since PINs are entered on your phone, not on the ATM. The UPI ATM launch in India emphasizes contactless, cardless, and secure access.

Can I use any UPI app for cash withdrawal?

Yes. Any UPI-enabled app like BHIM, Google Pay, PhonePe, or Paytm can be used at supported ATMs under the UPI ATM launch in India.