Free guide · Loans and debt
₹20,000 debited, no cash? Your money is safe.
What to do when an ATM keeps your money, how the refund works, and the ₹100 a day rule your bank has to follow.
9 pages · Verified Oct 2026 · Free to share
The numbers at a glance
- Refund within
- T+5 days
- Late penalty
- ₹100/day
- Bank reply
- 30 days
- RBI complaint
- ₹0 fee
T is the day the ATM failed, and the five days are calendar days, Sundays and holidays included. The ₹100 a day is owed even if you never complained.
The one thing to notice
You don't have to fight for the refund. The bank's clock starts the day the ATM failed, whether you complained or not.
What's inside the PDF
- 1The three things to remember. And the order the video got slightly wrong.
- 2Where your money actually went. The ATM's log, and how reconciliation finds it.
- 3The first 10 minutes at the ATM. What to note and photograph before you leave.
- 4What to tell your bank. The details they ask for, and a message to copy.
- 5The ₹100 a day rule. How the clock runs, worked through in rupees.
- 6Going to the RBI Ombudsman. When you can, and how to file free.
- 7The glossary, in plain words. Every term, with a line in Tamil.
More like this
New guides land on Instagram first.
A short video most days, and the PDF in the comments when enough people ask for it.
Follow @buildwithabinashHow I checked this
- Every total computed in code, not by hand
- Sources listed on the last page of the PDF
- Re-checked on Oct 2026
Disclaimer
Education only, not investment advice, and not a recommendation of any product. I am not a SEBI-registered investment adviser. These are RBI rules for domestic transactions as of October 2026, and they can change. I am not a lawyer either. Check rbi.org.in or with your bank before acting.