can i withdraw cash without atm card

Yes, you can withdraw cash from an ATM without a physical card. This is facilitated through the Interoperable Cardless Cash Withdrawal (ICCW) feature, commonly known as UPI-ATM. The process involves visiting a UPI-enabled ATM, selecting the cash withdrawal option, and scanning the QR code displayed on the screen using your UPI application. After selecting the account, you authorize the transaction by entering your UPI PIN on your mobile device. Additionally, several major banks in India offer their own mobile banking app-based cardless withdrawal services at their respective ATMs, which typically use an OTP or a generated code for authentication.