How to Write a Cash Withdrawal Slip for Any Bank in India

What Is a Withdrawal Slip and Why Is It Used?

A Withdrawal slip is a single-page form provided by banks, mostly government-owned banks. It is required when you want to withdraw money from the branch only. It is usually used for smaller amounts to withdraw; for large amounts, the bank recommends using a cheque or an ATM card.

However, it does not have any minimum or maximum limits; but a few banks impose a daily limit, such as ₹25,000 on a basic savings account at UCO Bank.

it required when –

• If you don’t have a cheque book
• When withdrawing small amounts from a savings account
• For cash transactions at the bank counter
• If your ATM card isn’t working, or you believe branch banking is a more secure transaction option.
• You’re withdrawing on behalf of someone else with an authorisation letter or approval.

Step-by-Step: How to Fill the Bank Cash Withdrawal Correctly

The withdrawal via slips is quite similar across all banks, including private or government-owned; however, a few minor details are different. Here are some basic steps required when writing a slip for cash.

1. Start with the date and the branch name – Write today’s date (slips are valid only on the same day) and mention the branch you’re visiting.
2. Fill in account details – Enter your account number carefully. Even one wrong digit can send money from the wrong account. Tick or write “Savings” or “Current.”
3. Enter withdrawal amount – Write in numbers and words to avoid confusion. Banks won’t process slips with only one format.
4. Write your name and mobile number (if asked) – Some banks like SBI include a field for mobile number to link with SMS alerts. Not all banks ask for it.
5. Sign the slip –
   • If you are withdrawing yourself, only your signature is required.
   • If someone else is withdrawing: both the account holder’s and the presenter’s signatures are needed.
   • For people above 70 or illiterate, they can use their thumb.
6. Denomination (optional) –
   If the slip has a table for notes, you can request specific denominations (for example, 5 × ₹2000, 10 × ₹500). Otherwise, the cashier will give mixed notes.
7. Submit with supporting documents –
   • Most public sector banks ask for the passbook.
   • Some private banks accept debit card + ID proof, such as an original PAN Card, instead.
   • If withdrawing on behalf of someone, carry an authorisation letter and your ID proof.

A few Information Differences in Cash slips from banks

1. SBI: The slip includes space for a mobile number. which is required to fill, the mobile number must be linked to the account number.
2. Bank of Baroda (BOB): The Slip format doesn’t have a denomination section at the back. Requires two signatures, one from the account holder, another from the depositor if withdrawing on behalf.
3. Canara Bank: Very similar to SBI, but usually does not ask for a mobile number. Passbook submission is compulsory.
4. HDFC Bank: Withdrawal slips are not issued. You must either:
   • Fill a self-cheque and present it at the counter.
   • Use your debit card + PIN at teller-assisted machines.
   • In some branches, ID proof is required if withdrawing without a card.
5. ICICI Bank: ICICI offer a direct printable cash withdrawal form at their official website and at all branches. You can use it.

What is the validity period of the withdrawal slip?

There is no validity period if you just get a fresh slip from the branch, but the validity period starts when you mention a date. If you write today’s date but don’t submit it, it cannot be reused tomorrow. Always fill it fresh at the bank counter.

What are the Withdrawal Limits Through Slips

• SBI: You can withdraw up to ₹25,000 per day using a withdrawal slip and your passbook; ₹5,000 at a non-home branch (self).
• BOB: ₹50,000 per slip transaction; also, it usually depends on the bank branch’s available cash. When I visited the branch to withdraw cash, I filled a slip for 40 thousand, but they only approved 25 thousand due to internal matters.
• Canara Bank: ₹25,000–₹50,000 depending on branch rules. However, it mostly depends on your account type.
• Indian Bank: The daily withdrawal limit they set from Rs. 10,000 to 50,000 max for a basic savings account.
• HDFC Bank: You can withdraw upto 2,00,000 per month for free via a slip. However, due to RBI norms, the basic limit is set branch to branch.

For larger withdrawals (above ₹50,000), banks typically insist on a cheque.

Note: The limits vary and mostly depend on multiple factors such as availability, non-home branch, account types, and RBI norms, so before filling out the slip, you first have to confirm with your home branch for the conditions.

What If Your Bank Doesn’t Use Withdrawal Slips?

If you bank with HDFC, HSBC, or Urban co-operatives banks, you won’t get withdrawal slips. Rather, you can:

1. Use a cheque – Write a self-cheque and present it at the counter.
2. Use a debit card at a teller – Many private banks have teller-assisted debit card machines for withdrawal.
3. ATM/UPI – For smaller amounts, use ATM or digital transfers instead of visiting the branch.

Expert tips to avoid a few common mistakes

• You can use a regular ball pen; the blue and black inks are widely accepted.
• Leaving out the date or writing an old date.
• Writing only figures without words.
• Overwriting without countersigning.
• Wrong account number or incomplete name.
• Forgetting the depositor’s signature when withdrawing on behalf.
• Submit a slip without a passbook or debit card.
• Don’t touch the “For Office use” section; sometimes, people mark a line in that section. Simply ignore that; it’s for bank staff only.

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