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ATM Charges Levied By Key Lenders For Transactions And Other Services

However, banks also charge an amount for the issuance and annual maintenance of ATMs.
However, banks also charge an amount for the issuance and annual maintenance of ATMs.

Top banks, both public and private, in the country offer the service of ATMs but have certain charges for their customers for making transactions at ATMs. From State Bank of India (SBI) to private sector banks like HDFC Bank, ICICI Bank, Axis Bank offer limited number of ATM transactions free of cost every month. The number of permitted free transactions at an ATM in a month depends on various factors such as type of the account. However, banks also charge an amount for the issuance and annual maintenance of ATMs. 

Here's a comparison of ATM transaction charges by SBI, HDFC Bank, ICICI Bank and Axis Bank:

State Bank of India

Here are the various charges of SBI's ATM cards as stated on sbi.co.in:

Debit Card Issuance Charges Normal (Classic/Global) Nil
Gold Debit Card 100/- (including service tax)
Platinum Debit Card 306/- (including service tax)
Debit Card Annual Maintenance Charges (Recovered at the beginning of the second year onwards) Classic Debit Card 100/- plus service tax
Silver/Global /Yuva /Gold Debit Card 150/- plus service tax
Platinum Debit Card 200/- plus service tax
Pride/Premium Business Debit Card 300/- plus service tax
Debit Card Replacement Charges Rs.204/- (including service tax)  
Duplicate PIN/ Regeneration of PIN Rs.51/- (including service tax)  
Domestic Transaction Charges Transactions at State Bank Group ATMs Free
Other Bank ATMs - Up to 5 Transactions during a calendar month (for savings bank account only) Free
Other Bank ATMs – Beyond 5 transactions(in Savings account) AND other than savings account:  
Financial Transaction: 17/- (including service tax)
Non-Financial Transaction 6/- (including service tax)

HDFC Bank 

Here are the various charges of HDFC Bank's ATM cards as stated on hdfcbank.com:

ATM / DEBIT CARD RELATED CHARGES
ATM card No Charge
ATM card - Replacement charges Replacement of a lost card - Rs 200 (plus taxes)
ATM card - Transaction charge - non HDFC Bank domestic ATMs No Charge (effective 1st Dec 2014)
Debit Card - Annual Fee - Regular Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14)
Debit Card - Renewal Fee - Regular Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14)
Debit Card - Annual Fee - Platinum Rs 750 per year (plus taxes) (w.e.f. 1st June'15)
Debit Card - Renewal Fee - Platinum Rs 750 per year (plus taxes) (w.e.f. 1st June'15)
Debit Card - Replacement charges Replacement/Reissuance Charges for Debit Cards - Rs. 200 plus applicable taxes
Add-on debit card - Regular One add-on card - No Charge for the first year
Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14)
Debit Card - Transaction charge - HDFC Bank ATMs No Charge
Debit Card - Transaction charge - non HDFC Bank domestic ATMs First 5 Transactions Free across all Cities
Transactions over and above free limit will be charged as under:
Cash withdrawal - Rs. 20 plus applicable taxes (W.e.f 1st Nov'17)
Non-Financial Transaction - Rs. 8.5 plus applicable taxes (W.e.f 1st Nov'17)
PIN regeneration charge Rs 50 (plus taxes)
Number of Cash transactions 4 free cash transactions per month
(Cumulative of Deposit and Withdrawal) 5th transaction onwards - Rs.150/- per transaction plus applicable taxes (W.e.f 1st Nov'17) would be levied
Value of Cash transactions Any HDFC Branch
(Cumulative of Deposit and Withdrawal) 2 lakh - Free per month per account.
Above 2 lakh - Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/- plus applicable taxes (W.e.f 1st Nov'17)
Third party Cash transaction Upto a limit of Rs.25,000/- per day - Rs.150/- plus applicable taxes (W.e.f 1st Nov'17)
(Cumulative of Deposit and Withdrawal) Above Rs.25,000/- not allowed

ICICI Bank

Here are the various charges of ICICI Bank's ATM cards as stated on icicibank.com: 

Transaction type Transaction charges
Joining Fee Rs. 250 + GST as applicable
Annual Fee Rs. 250 + GST as applicable
Lost card replacement Rs. 199 + GST as applicable
Cash withdrawal from ICICI Bank ATM's Free
Cash withdrawal from Non ICICI Bank ATM's Rs. 20 per withdrawal + GST as applicable
Balance Inquiry from ICICI Bank ATM's Free
Balance Inquiry from Non ICICI Bank ATM's Rs. 8 per inquiry + GST as applicable

Axis Bank

Here are the various charges of Axis Bank's ATM cards as stated on axisbank.com:

Card Platform Visa Classic/Platinum
Issuance Fees Rs. 200 + taxes
Annual Fees Rs. 150
Replacement Fee Rs. 200
ATM Withdrawal Limit (Per Day) Rs. 40,000
Purchases Limit per day Rs. 1,00,000
Lost Card Liability Rs. 50,000
Personal Accident Insurance Cover Rs. 2 lakh
Airport Lounge Access No
MyDesign Rs. 150 extra

The saving account of India Post, which has a network of more than 1.5 lakh post offices across the country, also offers ATM facility.