Yes, you can withdraw money from an ATM without your physical card by using the UPI cash withdrawal feature, also known as Interoperable Cardless Cash Withdrawal (ICCW). This method is available at UPI-enabled ATMs across the country.
To perform a cardless withdrawal:
- At the ATM, select the 'UPI Cash Withdrawal' option and enter the desired amount.
- The ATM screen will display a dynamic QR code.
- Open any UPI-enabled application on your smartphone and use it to scan the QR code shown on the ATM.
- Select the bank account you wish to withdraw from in the app, and enter your UPI PIN to authorize the transaction.
- The cash will then be dispensed by the ATM.