By News Desk 
June 1, 2025 — In today’s digital economy, most people rely heavily on their ATM cards for everyday financial transactions. With the expansion of schemes like the Pradhan Mantri Jan Dhan Yojana and the widespread availability of RuPay Cards, ATMs have become an essential tool for millions. They’ve not only reduced dependence on physical cash but also made shopping and bill payments more convenient.
But what happens when your bank account runs dry and you urgently need cash? Surprisingly, even with a zero balance, it’s possible to withdraw money — thanks to certain pre-approved loan services offered through ATMs. While this facility comes with a few conditions and possible charges, it can serve as a helpful financial lifeline in emergencies.
Withdraw Money Despite Zero Balance — Here’s How
If your account balance is zero, you may still be able to withdraw cash using an ATM-based personal loan facility. Some banks, such as HDFC Bank, offer pre-approved loans directly through their ATM network. However, this service is only available to select customers who have already been offered a pre-approved loan by the bank.
You can also use your credit card to withdraw cash from any ATM, though this option should be used sparingly due to high interest rates.
How to Check for ATM Loan Eligibility
To access the loan facility through an ATM, the first step is to check if you’re eligible for a pre-approved loan from HDFC Bank. This can be done via:
- The bank’s mobile app
- Net banking
- By sending an SMS
- Or calling customer support
If eligible, visit an HDFC Bank ATM and select the “Loan” option from the menu. The screen will then display your pre-approved loan amount, interest rate, EMI details, and loan tenure. Review all information carefully and click “Proceed.”
Enter Personal Details to Finalize the Loan
On the next screen, you’ll need to provide a few personal details such as:
- Your name
- Email address
- Residential address
- Account number
After verifying the information, you’ll be prompted to enter your ATM PIN. Once completed, the loan amount will be instantly credited to your account, and a confirmation message will appear on the screen.
Using a Credit Card for Cash? Think Twice
While you can use your credit card to withdraw cash from any ATM, it should be your last resort. Unlike debit withdrawals or personal loans, cash advances on credit cards attract immediate high interest, typically ranging from 36% to 48% annually. There are no interest-free periods for such transactions, and fees add up quickly.
Final Word
If you ever find yourself in a situation where your account is empty but you urgently need funds, don’t panic. Options like ATM-based personal loans can offer timely relief. Just be sure to read the terms carefully and use high-interest solutions like credit card cash withdrawals only when absolutely necessary.