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HomeFinanceMastering Cash Withdrawals: A Step-By-Step Guide to Accessing UPI ATMs

Mastering Cash Withdrawals: A Step-By-Step Guide to Accessing UPI ATMs

To withdraw cash from a UPI ATM, the customer should choose the 'UPI cash withdrawal' option on the ATM.

In today’s digital age, the Unified Payments Interface (UPI) has revolutionized the way we handle our finances. It has become a ubiquitous platform for transferring funds and making payments. However, there are still instances when you might need cash in hand. This is where UPI-enabled ATMs come to the rescue.

In this comprehensive guide, we will take you through the steps of withdrawing cash from a UPI ATM, ensuring you have quick and easy access to your money when you need it.

Finding the Nearest UPI ATM

The first step in your cash withdrawal journey is locating a UPI-enabled ATM near you. These ATMs are strategically placed across the country to provide convenient access to your funds. You can easily find the nearest UPI ATM using various methods, such as checking your banking app, visiting your bank’s website, or using third-party apps that list nearby ATMs. Additionally, you can always ask your bank for assistance in locating one.

Ensuring Your UPI App is Ready

Before heading to the UPI ATM, ensure that your UPI-enabled mobile application is ready for the transaction. Make sure it is up to date and functioning correctly. Also, ensure that your mobile phone has an active internet connection, as this will be necessary for the UPI transaction to work seamlessly.

The Withdrawal Process

Once you’ve arrived at the UPI ATM and your UPI app is ready, follow these steps to withdraw cash:

  1. Insert Your Debit Card: Begin by inserting your debit card into the ATM slot. Ensure it is the same card linked to your UPI app and the bank account you want to withdraw money from.
  2. Enter Your PIN: The ATM will prompt you to enter your personal identification number (PIN). This is a crucial security step to verify your identity and protect your funds.
  3. Select UPI Withdrawal: On the ATM screen, choose the UPI withdrawal option. This will initiate the process of accessing your funds through the UPI platform.
  4. Enter the Amount: Specify the amount of cash you wish to withdraw. Ensure that it falls within the permissible withdrawal limits set by your bank.
  5. Confirm the Transaction: Review the transaction details on the screen to ensure accuracy. Once you are satisfied, confirm the transaction to proceed.
  6. Verify with UPI App: At this stage, the ATM will display a unique QR code. Open your UPI app on your mobile phone, scan the QR code, and verify the transaction.
  7. Collect Cash: Once the verification is successful, the ATM will dispense the requested amount of cash. Collect your cash and keep it in a safe place.


Withdrawing cash from a UPI ATM is a convenient and secure way to access your funds whenever you need them. By following these simple steps, you can master the process and ensure a hassle-free cash withdrawal experience. Remember to keep your PIN and debit card details confidential to safeguard your financial assets. Embrace the power of UPI technology to make your financial transactions smoother than ever before.


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