Yes, you can withdraw money from an ATM without a physical card through the Interoperable Cardless Cash Withdrawal (ICCW) service, which is based on UPI.
To use this feature:
- Select the 'UPI Cash Withdrawal' option at an ICCW-enabled ATM.
- Enter the desired withdrawal amount, up to a maximum of ₹10,000 per transaction.
- Scan the dynamic QR code displayed on the ATM screen using any UPI-enabled mobile application.
- Finally, authorize the transaction on your app by entering your UPI PIN, and the ATM will dispense the cash.