📢 Airtel Payments Bank Charges, UPI & ATM Limits [2024–2025]
Airtel Payments Bank has released an updated schedule of charges effective from July 1, 2024 and July 1, 2025 for account maintenance, UPI usage, debit cards, AEPS withdrawals, and more.
| Feature | Details | Effective Date / Notes |
|---|---|---|
| Account Facilitation Charge | ₹100 (incl. GST) | One-time |
| Annual Subscription | ₹100 + 18% GST | Removed from 1st July 2024 |
| Account Maintenance | ₹50 + 18% GST / Quarter | Effective 1st July 2025 |
| Operation Charge | ₹15 + 18% GST / Quarter | Removed from 1st July 2024 |
| SMS Alert | ₹0.30 + 18% GST per SMS | As per usage |
| UPI Limit (GPay, PhonePe, Paytm, etc.) | ₹1,00,000/day | All UPI apps |
| Cash Deposit (App/Internet Banking) | Free | All slabs |
| Cash Deposit via Agent | ₹0–₹25K: Free ₹25K–₹50K: 0.5% >₹50K: 0.75% | Based on amount |
| Cash Withdrawal | ₹0–₹10K/month: Free Beyond: 0.65% | Monthly basis |
| IMT Withdrawal (App) | Free | Send or self-withdraw |
| AEPS Withdrawal (Airtel Bank) | Free (2/day, 10/month, ₹50K/month) | Max ₹10K per transaction |
| AEPS Withdrawal (Other Banks) | 3 Free, then ₹15 + GST | Monthly limit |
| Money Transfer | Free | To any bank |
| Virtual Debit Card | ₹50 + 18% GST | One-time fee |
| Physical Debit Card (Personalized) | ₹349 | Annual charge: ₹199 till 31 Dec 2024, ₹299 from 2025 |
| ATM Metro (Other Bank) | 3 Free/month (1 for current account), ₹21 + GST thereafter | Major cities |
| ATM Non-Metro | 5 Free/month (1 for current account), ₹21 + GST thereafter | Mini Statement: ₹9 + GST |
| Max Withdrawal per Txn | ₹25,000 | Per transaction |
| Max Monthly Withdrawal | ₹5,00,000 | All methods combined |
| Max Account Balance | ₹1,97,000 | *T&C apply |
| Monthly Transfer Limit (With PAN) | ₹6,00,000 | Full KYC |
| Monthly Transfer Limit (No PAN) | ₹2,00,000 | Limited KYC |
| Interest Rate (Savings A/C) | 2% up to ₹1L 7% above ₹1L | Auto credit |
📌 Final Thoughts
With most digital services including UPI, IMT, and bank transfers remaining free, Airtel Payments Bank remains a smart digital banking option. Make sure to stay within free limits and keep your PAN updated for maximum benefits.
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