Can I withdraw cash without a physical card?

Yes, you can withdraw cash without a physical card using UPI-ATM/Interoperable Cardless Cash Withdrawal (ICCW). This service allows you to use your UPI-enabled app to scan a dynamic QR code displayed on the ATM screen. After entering the withdrawal amount (up to ₹10,000 per transaction) and your UPI PIN, the cash is dispensed securely and cardlessly.