Using ATMs (Automatic Teller Machines) to withdraw money or for other purposes such as balance enquiry beyond five times in a month will be charged at Rs.20 a transaction from 1st November, 2014. Besides, the number of free transactions at ATMs of non-home banks has been cut to three times a month from five times. The Reserve Bank guidelines to this effect will be applicable, initially, to six metros- Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Bangalore.  (source: The Hindu)