SBI BSBD Rule Change: Are Your 4 Free Withdrawals Gone?

From October 1, 2026, SBI is counting digital transactions toward the 4 free monthly withdrawals allowed in Basic Savings Bank Deposit accounts. Go beyond 4 — combining both cash and digital — and you pay ₹15 plus GST each time.

Here's what happened: SBI has revised its BSBD account rules effective October 1, 2026, counting digital transactions toward the 4 free monthly withdrawals — not just cash ones.. After exhausting the combined 4-transaction limit, account holders are charged ₹15 plus applicable GST for every additional withdrawal, whether cash or digital.. BSBD accounts are zero-balance accounts designed for financial inclusion; this change affects a large base of Jan Dhan and low-income depositors who rely on frequent small transactions..

What you should do: Check whether your SBI account is a BSBD (Basic Savings Bank Deposit) or a regular savings account — log in to YONO or visit your branch to confirm your account type.. Plan your monthly withdrawals in bulk: instead of 5-6 small ATM or UPI transactions, consolidate into 3-4 larger ones to stay within the free limit each month.. If you regularly exceed 4 transactions per month, ask your SBI branch about upgrading to a regular savings account — the minimum balance requirement may be worth avoiding per-transaction fees..

Pro tip: Withdrawals at SBI's own ATM branches and YONO app transactions may be tracked separately — ask your branch exactly which digital channels count toward the 4-transaction BSBD limit before October 1.