No More ₹500 Only—How Almost Three-Quarters of ATMs Are Changing Cash Forever!just in time for the RBI’s September 30, 2025 deadline!

Looking for ₹100 and ₹200 notes at ATMs? No More ₹500 Only—How Almost Three-Quarters of ATMs Are Changing Cash Forever!just in time for the RBI’s September 30, 2025 deadline!

💥 Why This Matters (and Why It's Catchy!)

1. Ahead of the Curve

The RBI mandated in April 2025 that 75% of all ATMs must dispense ₹100 or ₹200 notes by September 30, 2025—CMS Infosystems reports 73% compliance already, up from 65% in December 2024 .

2. Cash Is Still King

Nearly 60% of consumer spending is in cash—especially in smaller towns and rural areas. This move ensures people can get smaller change without hassles .

3. Phase Two Coming

After hitting 75% by Sept 2025, banks will ramp up to 90% compliance by March 31, 2026 .

🚧 Behind the Scenes: Challenges & Solutions

Note Supply Strain

Banks typically stock ATMs with higher-denomination ₹500 notes to reduce refill frequency. Switching over to ₹100 / ₹200 means more frequent cash replenishments—and higher logistics costs .

Operational Hurdles

ATMs often need re-calibration when lower-denomination cassettes are introduced. That involves extra site visits and setup costs .

Cash Availability Gaps

Bigger banks with currency chests have easier access to small notes. But rural or smaller-location banks could face delays due to limited supply .

💡 What It Means for You

Better for Daily Purchases

No more rounding errors when buying vegetables, bus tickets, or paying small-time vendors—ATMs will more likely spit out the right change.

Fewer Card Fees

With more access to small bills, many folks can avoid multiple transactions and additional ATM interchange fees (e.g., ₹19 per withdrawal after freebies) .

Travel-Friendly

Whether you're in Mumbai or Madhya Pradesh, getting exact change is much easier—a big plus for frequent travelers.

🎯 Sum-Up in 3 Lines

Speedy Delivery Everyday Convenience Rolling Strategy

73% compliance already—just 2% shy of the RBI goal by Sept 2025 Easier access to ₹100/₹200 means better small-cash availability countrywide Banks will push to 90% by March 2026