The amount of money in an ATM machine is not fixed and depends on several factors, but typical holdings can range from a few lakh rupees in smaller machines to significantly higher amounts in high-traffic locations. The cash stored is determined by:
- The ATM's location, as busy areas require larger reserves.
- The expected customer withdrawal demand, such as during weekends or holidays.
- The financial institution's cash management and security policies.
- The physical cash cassette capacity of the ATM model itself.
Banks use data and forecasting to ensure machines are adequately stocked and replenished.