can i withdraw money without atm card

Yes, you can withdraw money without a physical ATM card through various methods like UPI, mobile banking apps, or internet banking, which many Indian banks now offer. This service, often called Cardless Cash Withdrawal or ICCW, uses authentication methods like a one-time password (OTP) or QR codes displayed on the ATM screen. You initiate the withdrawal through your bank's mobile app or a UPI app, receive a code or scan a QR code, and enter the details at a supporting ATM. Daily withdrawal limits may apply, typically up to ₹10,000 to ₹25,000.