If you ever find yourself at the HDFC ATM without a debit card and you are in dire need of cash fret not, HDFC has come up with a solution. Now you can processed with the transaction without any hitch, even in the absence of a card. This perhaps, be their next move in accordance with digital India program- Cashless India; HDFC has joined the ranks of other banks (SBI, Axis bank, Bank of Baroda and ICIC) in the race to retrieve money without a card.

To avail this feature, you will need to have a savings account in the HDFC bank and then only you can draw money from their ATM; anyplace across the country.

A couple of things that you need to keep in mind while withdrawing from the ATM according to the HDFC website ( is, cardless cash withdrawal request can be initiated for a minimum of Rs.100 per transaction and up to a maximum of Rs.10,000 per day or Rs.25,000 per month for a beneficiary (The limits are subject to change as per regulatory guidelines).

A successful cash withdrawal request will be valid for a period of 24 hours from the time of creation of request. After expiry of 24 hours, the request will be reversed to the initiators account which was debited.

The website ( further instructs on how to conduct the said transaction: 

Step 1: Adding a Beneficiary

1.    Login to NetBanking.
2.    Select Funds Transfer tab >>> Request >>> Add a Beneficiary >>>  Cardless Cash Withdrawal.
3.    Enter the beneficiary details, click on Add and Confirm.
4.    Confirm the mobile number and enter the OTP received for validation.

(Please note that after completing the addition of the beneficiary it will take 30 minutes for the beneficiary details to reflect in your account.)
Step 2: Sending money to an added Beneficiary

1.    Login to NetBanking.
2.    Select Fund Transfer >>> Cardless Cash Withdrawal.
3.    Select the Debit Bank Account.
4.    Select beneficiary from list of registered beneficiaries (Mobile number gets auto populated).
5.    Check the beneficiary details, enter the amount, click on continue and confirm.
6.    Confirm the mobile number and enter the OTP to validate the transaction.
7.    The beneficiary will receive an SMS containing the OTP, nine-digit order ID and the amount.
Step 3: Withdraw cash at HDFC Bank ATMs by the Beneficiary

1.    The beneficiary visits HDFC Bank ATM and selects Cardless Cash (option will be displayed in IDLE loop screen).
2.    Select the language.
3.    Customer will be asked to enter the following details in a sequential manner.
                    §  OTP
                    §  The beneficiary mobile number
                    §  Nine digit order ID
                    §  Amount of the transaction

Once the above details are validated the cash will be disbursed by ATM.

It might seem tedious but once you have over the preliminary procedure, you can easily access cardless cash anywhere, anytime.