Post Office Savings Account (POSA) holders has ATM withdraw limit up to Rs 25,000 per day, subject to a maximum limit of Rs 10,000 per transaction. Account holders must also maintain a minimum balance of Rs 500 to access their funds without breaching the account’s balance requirement.
Key Highlights
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Post Office Savings Account holders can withdraw up to Rs 25,000 daily, with a maximum of Rs 10,000 per transaction.
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POSA requires a Rs 500 minimum balance, while ATM charges apply after the free transaction limit is exceeded.
The Department of Posts provides ATM access along with internet and mobile banking facilities, allowing customers to manage their savings and carry out transactions conveniently. However, POSA holders should understand the applicable withdrawal limits, free transaction allowances and charges to avoid declined transactions or additional costs.
Post Office Savings Account ATM Withdrawal Limit and Minimum Balance
As of November 9, 2026, eligible Post Office Savings Account holders can withdraw a maximum of Rs 25,000 per day from ATMs. The maximum withdrawal allowed in a single transaction is Rs 10,000.
Customers must ensure that their account balance does not fall below the mandatory minimum of Rs 500 after a withdrawal. Transactions may be declined if they exceed the available balance, the per-transaction limit or the daily withdrawal ceiling.
Post Office ATM Free Transactions and Withdrawal Charges
The Department of Posts allows five free financial and non-financial transactions per month at its own ATMs.
For transactions at other banks’ ATMs, the free monthly limit is:
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Metro cities: Three transactions per month.
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Non-metro locations: Five transactions per month.
The free transaction limits apply to both financial and non-financial transactions and are subject to applicable government rules and policy changes.
Charges for Transactions Beyond the Free Limit
Since November 1, 2025, POSA holders have been required to pay charges for transactions exceeding the permitted free limit.
|
ATM category |
Financial transaction |
Non-financial transaction |
|---|---|---|
|
Other banks’ ATMs |
Rs 23 + GST |
Rs 11 + GST |
|
Department of Posts ATMs |
Rs 10 + GST |
Rs 5 + GST |
Financial transactions generally include cash withdrawals, while non-financial transactions include services such as balance enquiries. Applicable charges are levied when customers exceed the relevant free transaction allowance.
Post Office Savings Account Interest Calculation
Interest on a Post Office Savings Account is calculated on the lowest balance maintained between the 10th day and the last day of each month.
The interest earned is credited to the account annually. Account holders should therefore monitor their monthly balances to understand how withdrawals may affect the interest calculated on their savings.
Post Office Savings Account Minimum Balance and Maintenance Charges
POSA holders must maintain a minimum balance of Rs 500. If the account balance is below Rs 500 at the end of a financial year, a maintenance charge of Rs 50 may be levied.
Customers should keep the required minimum balance in their accounts to avoid this charge and ensure that ATM withdrawals do not reduce their balance below the prescribed threshold.
Also Read: HDFC Bank Revises UPI ATM Withdrawal Rules From April 1, 2026
Key Rules POSA Account Holders Should Know
The Post Office Savings Account offers ATM access and digital banking facilities, but customers should keep a few rules in mind before making withdrawals:
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The daily ATM withdrawal limit is Rs 25,000.
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The maximum withdrawal permitted per transaction is Rs 10,000.
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A minimum account balance of Rs 500 must be maintained.
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Five financial and non-financial transactions are free each month at Department of Posts ATMs.
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At other banks’ ATMs, the free limit is three transactions in metro cities and five in non-metro locations.
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Additional charges apply when customers exceed the free transaction limit.
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Interest is calculated on the lowest balance between the 10th and the last day of each month and credited annually.
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A Rs 50 maintenance charge may apply if the balance is below Rs 500 at the end of the financial year.
Understanding these limits, charges and balance requirements can help Post Office Savings Account holders plan ATM withdrawals, avoid unnecessary fees and manage their savings more effectively. Customers should also refer to the latest Department of Posts notifications for any changes to account terms and transaction rules.
