How Cross-Bank ATM Withdrawals Work in India: HDFC, ICICI, and NPCI Explained

Jan 24 · 4 min read · Your account is with HDFC.The ATM belongs to ICICI Bank.Yet the cash comes out instantly, and your HDFC balance updates in real time. So how does this actually work behind the scenes? This article walks through the entire internal flow of a cross-ban...