India's cash in circulation has nearly tripled from Rs 13 lakh crore in FY17 to Rs 41 lakh crore in FY26 ATM numbers have declined from over 2.19 lakh in FY23 to about 2.09 lakh in FY26 despite more cash Debit card ATM withdrawals fell from 685 crore transactions in FY23 to 534 crore in FY26