In continuation of the TNCR on ATM machine cashless procedures, the write
up went like these:
"
gopala krishnan 15:12 (3 hours ago)
Sir, The procedures appears complicated told here in. I think there are
simple methods than told to withdraw cash by ATM, without ATM card, using
mobile number,
Rajaram Krishnamurthy <[email protected]>
16:11 (2 hours ago)
to gopala
Many methods given. Even in some banks fingerprints are taken as ID.  HGFC
ICICI sends you through VRS or ASMS if asked for a pin which can be made
use of within the next 2 to 7 days going to the ATM. And Pin through cells
can be generated by VRS and cash withdrawn. Or the UPI method is theer. Or
by logging to your bank ac can draw money which will be delivered to your
door within 2 hours provided you have registered with your branch. KR IRS
141022
gopala krishnan
16:30 (2 hours ago)
to me
Sir,

A person mostly do internet banking by laptop.*Especially elders*. If he
get a pin to enter in the mobile and he has to carry mobile, *surely he
will remember to take card*.

My question was simple- Have you  withdraw cash or deposited cash, with out
using debit card?. Kindly reply to the point.

If you have done what was the procedure followed by you.
Your reply can be YES or No. If yes, kindly enlighten me
Gopalakrishnan
xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
   2       I do not know what is your question Mr Gopalakrishnan; CASHLESS
AND CARDLESS ARE TERMS WELL DEFINED. Cardless transactions, means -it is
not whether
 Mr Gopalakrishnan has enough weight to carry the card to ATM and cell
phone etc. The card swiping ,insertions etc have the impact of hackers; so
they brought the PIN and OTP.
   Then the Govt  thought over where Identity is being ransacked;
so without using the card, whether a transaction go; to day every body is
identified only by the cell number
   Aadhar etc; if cash can be delivered without inserting the card in the
ATM, then that would be ideal; BUT WHO TOLD Mr GOPALAKRISHNAN, MONEY WILL
BE PAID ON HANDS
 HIDDEN BEHIND THE DOORS?; IDENTITY MUST BE THERE; SO OTP, PIN,
TOKENIZATION ETC ARE BEING CONTEMPLATED; DISNET HOT STAR WILL ALLOW YOU
INSIDE
 TO SEE FILMS, IN CASE YOU HAVE A CELL NUMBER, WHICH WILL BE VERIFIED BY
THEONETIME PASSWORD KNOWN TO CARRIER AND YOU; UPI AGAIN THROUGH CELL
CONNECTING THE BANK AND THE PIN YOU PROVIDED; ATM NEEDS SOME
IDENTIFICATION; WITHOUT PRESSING NUMBERS AND DIALOGUE, MACHINE WILL NOT
PROCESS; SO YOU TAKE YOUR FINGER PRINT OR PIN OR OTP OR FACE IDENTITY (NOT
HEERE IN INDIA), ; SO IT IS NOT THE WEIGHRT TO CARRY CARD; LEST IT IS
NOT SCAMMED FROM BEHIND THROGH DEVICES; IT IS NOT ALIBABA CAVE TO SAY UNDA
KA KASAM; VOICE RESPONSE SYSTEM IS COMPUTER OPERATED WHICH WILL
TELL WHAT IS YOUR PIN FOR THAT TRANSACTION NOT EVEN KNOWN TO THE BANK;
ELDERS MAY HAVE A CELL AT HOME WHERE PIN IS GATHERED CANBE USED FOR
DAYS TILL YOU GO TO ATM; WITHOUT CELL AND WITHOUT CARD BUT 4 DIGIT NUMBER
TO REMEBER; OR WRITE IN YOUR HAND AND GO; HAVE YOU UNDERSTOOD?.
K R IRS   141022


On Fri, 14 Oct 2022 at 16:30, gopala krishnan <[email protected]> wrote:

> Sir,
>
> A person mostly do internet banking by laptop.*Especially elders*. If he
> get a pin to enter in the mobile and he has to carry mobile, *surely he
> will remember to take card*.
>
> My question was simple- Have you  withdraw cash or deposited cash, with
> out using debit card?. Kindly reply to the point.
>
> If you have done what was the procedure followed by you.
> Your reply can be YES or No. If yes, kindly enlighten me
> Gopalakrishnan
>
> On Friday, 14 October, 2022 at 04:20:18 pm IST, Rajaram Krishnamurthy <
> [email protected]> wrote:
>
>
> Many methods given. Even in some banks fingerprints are taken as ID.  HGFC
> ICICI sends you through VRS or ASMS if asked for a pin which can be made
> use of within the next 2 to 7 days going to the ATM. And Pin through cells
> can be generated by VRS and cash withdrawn. Or the UPI method is theer. Or
> by logging to your bank ac can draw money which will be delivered to your
> door within 2 hours provided you have registered with your branch. KR IRS
> 141022
>
> On Fri, 14 Oct 2022 at 15:12, gopala krishnan <[email protected]> wrote:
>
> Sir,
>
> The procedures appears complicated told here in.
>
> I think there are simple methods than told to withdraw cash by ATM,
> without ATM card, using mobile number, account number and OIP, just like
> generating pin
> Gopalakrishnan
>
> On Friday, 14 October, 2022 at 11:42:18 am IST, Rajaram Krishnamurthy <
> [email protected]> wrote:
>
>
> TNCR wrote:
> Cardless Cash Withdrawal - How to Withdraw Money from ATM Without Card
> DBS digibank
> 4-5 minutes
> ------------------------------
>
> *Ways to withdraw cash without an ATM or Debit Card*
> Key Takeaways
>
>    - Cashless Card Withdrawal enables you to withdraw money without
>    ATM-cum-debit cards.
>    - You can use net banking for cashless withdrawals at ATMs.
>    - You can also allow beneficiaries to withdraw cash with cardless
>    withdrawals.
>    - You must use the tentative OTP or PIN to withdraw money from ATMs.
>    - Some banks let you withdraw money at affiliated local stores.
>
> Most banking transactions in the modern era have become cashless as banks
> are ushering into the digital age. Today, you can use debit cards
> <https://www.dbs.com/digibank/in/cards/debit-cards/digibank-debit-card> and
> credit cards to access funds in your account. Banks also permit cardless
> cash withdrawals at ATMs. This article explains cardless cash withdrawals
> and the process to go about it. Read on to know more.
> Cardless Withdrawals at ATM
>
> Cardless cash withdrawals without ATM Debit cards allow you to access
> funds in your account if you do not have your ATM card handy. As long as
> you have activated internet banking and downloaded the bank’s mobile
> banking app of your bank on your smartphone, you can withdraw cash from
> ATMs without the card.
>
> Download digibank Now
> <https://digibank.onelink.me/4250782238/59f0c91e?pid=in-digi-pweb-learn-cardless-cash-withdrawal-downloadappbtnBlwContextualBnr1>
> How To Withdraw Money from ATM Without Card
>
> Following are the standard steps on how to withdraw money from ATM without
> card.
>
>    1. Log into your bank’s internet or mobile banking
>    <https://www.dbs.com/digibank/in/banking/mbanking/mobile-banking>
>    2. Select the option of cash withdrawal at the ATM.
>    3. Enter the amount you wish to withdraw and continue.
>    4. You will receive a one-time password or a transaction ID on your
>    registered mobile number.
>    5. Visit your nearest bank ATM and select the cardless cash withdrawal
>    option on the ATM screen.
>    6. Select your mobile number and enter the OTP or the transaction ID
>    received on the registered mobile number.
>    7. Enter the amount and withdraw the cash.
>
> Cardless Cash Withdrawal by Beneficiaries
>
> You can also provide access to beneficiaries to withdraw funds. Below are
> the steps:
>
>    1. Log in to your net banking account and set up the fund transfer
>    request.
>    2. Add the beneficiary details and go to cardless cash withdrawal.
>    3. Reconfirm the details by entering the OTP sent on your RMN and wait
>    for the beneficiary details to be activated.
>    4. The beneficiary receives an OTP and order ID via SMS ID on their RMN
>    5. The beneficiary can now visit an ATM, select the cardless cash
>    option and enter the OTP, order ID and their mobile number, along with the
>    cash withdrawal amount.
>    6. The ATM validates these details and disburses the cash.
>
> Cardless Withdrawal at Local Stores
>
> Some banks let you withdraw cash at local stores too. Here are the steps:
>
>    1. Log in to net banking and select cardless cash withdrawal at a
>    local shop.
>    2. Enter the amount and generate a temporary PIN.
>    3. Enable your mobile GPS, and the bank will show you the affiliated
>    merchant stores.
>    4. Select your preferred store, and you will receive a unique
>    identifier on the RMN.
>    5. Visit the merchant store and provide the PIN and other details.
>    6. The merchant will validate your transaction and dispense the
>    withdrawal amount.
>
> Final Note
>
> Cardless cash withdrawal is a unique facility that allows you to access
> cash without bank cards. It also enables you to ensure that your intended
> beneficiaries can receive funds quickly. You can visit your nearest ATM or
> designated grocery store to get the cash speedily.
>
> xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx  1  20 lakhs per annum is the limit
> without additional formalities.  2   some banks like HDFC indirectly follow
> this practice to control the transactions of the senior citizens,  without
> allowing them to generate their own PIN through NET-banking; however one
> advaantage is the pin communicated to that senior citizens or one who
> demands, can have a few days to go to ATM machines to draw the cash.  KR
> IRS 141022
>
> On Thu, 13 Oct 2022 at 17:23, Rangarajan T.N.C. <[email protected]>
> wrote:
>
> Cardless Cash Withdrawal - How to Withdraw Money from ATM Without Card
> DBS digibank
> 4-5 minutes
> ------------------------------
>
> *Ways to withdraw cash without an ATM or Debit Card*
> Key Takeaways
>
>    - Cashless Card Withdrawal enables you to withdraw money without
>    ATM-cum-debit cards.
>    - You can use net banking for cashless withdrawals at ATMs.
>    - You can also allow beneficiaries to withdraw cash with cardless
>    withdrawals.
>    - You must use the tentative OTP or PIN to withdraw money from ATMs.
>    - Some banks let you withdraw money at affiliated local stores.
>
> Most banking transactions in the modern era have become cashless as banks
> are ushering into the digital age. Today, you can use debit cards
> <https://www.dbs.com/digibank/in/cards/debit-cards/digibank-debit-card>
> and credit cards to access funds in your account. Banks also permit
> cardless cash withdrawals at ATMs. This article explains cardless cash
> withdrawals and the process to go about it. Read on to know more.
> Cardless Withdrawals at ATM
>
> Cardless cash withdrawals without ATM Debit cards allow you to access
> funds in your account if you do not have your ATM card handy. As long as
> you have activated internet banking and downloaded the bank’s mobile
> banking app of your bank on your smartphone, you can withdraw cash from
> ATMs without the card.
>
> Download digibank Now
> <https://digibank.onelink.me/4250782238/59f0c91e?pid=in-digi-pweb-learn-cardless-cash-withdrawal-downloadappbtnBlwContextualBnr1>
> How To Withdraw Money from ATM Without Card
>
> Following are the standard steps on how to withdraw money from ATM without
> card.
>
>    1. Log into your bank’s internet or mobile banking
>    <https://www.dbs.com/digibank/in/banking/mbanking/mobile-banking>
>    2. Select the option of cash withdrawal at the ATM.
>    3. Enter the amount you wish to withdraw and continue.
>    4. You will receive a one-time password or a transaction ID on your
>    registered mobile number.
>    5. Visit your nearest bank ATM and select the cardless cash withdrawal
>    option on the ATM screen.
>    6. Select your mobile number and enter the OTP or the transaction ID
>    received on the registered mobile number.
>    7. Enter the amount and withdraw the cash.
>
> Cardless Cash Withdrawal by Beneficiaries
>
> You can also provide access to beneficiaries to withdraw funds. Below are
> the steps:
>
>    1. Log in to your net banking account and set up the fund transfer
>    request.
>    2. Add the beneficiary details and go to cardless cash withdrawal.
>    3. Reconfirm the details by entering the OTP sent on your RMN and wait
>    for the beneficiary details to be activated.
>    4. The beneficiary receives an OTP and order ID via SMS ID on their RMN
>    5. The beneficiary can now visit an ATM, select the cardless cash
>    option and enter the OTP, order ID and their mobile number, along with the
>    cash withdrawal amount.
>    6. The ATM validates these details and disburses the cash.
>
> Cardless Withdrawal at Local Stores
>
> Some banks let you withdraw cash at local stores too. Here are the steps:
>
>    1. Log in to net banking and select cardless cash withdrawal at a
>    local shop.
>    2. Enter the amount and generate a temporary PIN.
>    3. Enable your mobile GPS, and the bank will show you the affiliated
>    merchant stores.
>    4. Select your preferred store, and you will receive a unique
>    identifier on the RMN.
>    5. Visit the merchant store and provide the PIN and other details.
>    6. The merchant will validate your transaction and dispense the
>    withdrawal amount.
>
> Final Note
>
> Cardless cash withdrawal is a unique facility that allows you to access
> cash without bank cards. It also enables you to ensure that your intended
> beneficiaries can receive funds quickly. You can visit your nearest ATM or
> designated grocery store to get the cash speedily.
>
>
>
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