Offers
Rates
V-KYC
Debit Card Related
Credit Card Related
SA Welcome Kit 
Manage Mandate(s)
Get Mini Statement
categories
Bloggers
Blog collection
Press Release
How to Deposit Cash at an ATM in India: Step-by-Step Guide
Posted on Tuesday, July 15th, 2025 | By IndusInd Bank
Depositing cash into your bank account doesn’t always mean standing in long queues or filling out deposit slips. These days, many ATMs in India are equipped with Cash Deposit Machines (CDMs) that let you deposit cash instantly—no teller, no paperwork, no fuss.
If you’ve never used a CDM before, don’t worry. This guide will walk you through everything you need to know, from how these machines work to the exact steps to follow.
How Does a Cash Deposit Machine (CDM) Work?
Before we dive into the steps, let’s understand how a Cash Deposit Machine differs from a regular ATM.
A CDM is a special type of ATM that allows you to deposit cash directly into your account. These machines:
- Count the cash automatically
- Verify the denominations
- Display the total before confirming the deposit
In many urban areas, you’ll find multi-functional ATMs that both dispense and accept cash—commonly referred to as cash recyclers.
Banks like IndusInd Bank have set up CDMs at major branches and high-traffic locations across India.
Also Read: What is an IFSC Code and Why is it Important?
How to Deposit Cash at an ATM: Step-by-Step
Depositing cash using a CDM is pretty straightforward. Here’s a step-by-step guide:
- Locate a CDM-enabled ATM: Look for a machine marked “Cash Deposit” or “CDM”. Many bank apps and websites let you filter nearby ATMs based on the services offered.
- Insert Your Debit or ATM Card: Start just like you would for a withdrawal—insert your card into the slot.
- Enter Your 4-Digit PIN: Authenticate your identity by entering your ATM PIN securely.
- Select the ‘Deposit’ Option: On the screen, choose the option for ‘Deposit’ or ‘Cash Deposit’.
- Choose the Account Type: If you have multiple accounts linked (like savings or current), select the one you want to deposit into.
- Insert the Cash: Place the notes in the designated cash slot. Most machines accept up to 200 notes at a time in denominations like ₹100, ₹200, ₹500, and ₹2,000.
| Tip: Make sure the notes are clean, unfolded, and not stapled. Torn or soiled notes may be rejected. |
- Verify the Amount: The machine will count your cash and display the total on-screen. You’ll also see a breakdown by denomination.
- Confirm the Transaction: Once you’ve checked the total, tap ‘Confirm’ to complete the deposit.
- Collect the Receipt: Don’t forget to take your printed receipt—it serves as proof of the deposit and includes the transaction reference number.
Wrapping Up!
Depositing cash through a CDM is quick, safe, and available round the clock at many ATM locations. It’s especially handy if you can’t make it to the bank during working hours or simply want to skip the queue.
Still unsure if your local ATM offers this feature? Most bank apps or websites list CDM-enabled branches—so you can check before heading out.
And just like that, your cash is in your account—no slips, no stress.
