The Nainital Bank Limited · statement narration
ATM TXN CHG
A charge for ATM transactions beyond the free monthly limit set by RBI.
In plain English
A charge for ATM transactions beyond the free monthly limit set by RBI.
Also printed as ATM CHARGES, ATM TXN FEE, ATM WDL CHG, ATM CHG INCL GST.
Hinglish mein
Mahine ki free ATM limit se zyada transaction karne par lagta hai.
What it costs, including GST
Savings Accounts — Transfer & ATM Services · ATM
₹27.14
₹23.00 before tax
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Nainital Bank savings/customer ATM usage after the applicable monthly free-transaction entitlement; this rule records the current Rs23 financial-transaction charge, not the free-limit count itself.
Why it happened
You used an ATM more times in the month than your free allowance permits. Balance enquiries and mini statements can also count.
How to avoid it
Track your free transactions each month, use your own bank's ATMs, and check balances in the app instead of at the ATM.