If you doing a transaction using your ATM for ATM Withdrawal or POS transaction and if you dont have sufficient balance in your Account then bank will levy Decline charge for insufficient balance, check below how different banks will charge for failed or insufficient balance transaction charges.
ATM POS Failed Transaction Charges
State Bank of India: If a transaction is declined due to insufficient balance either for a Withdrawal or for a POS transaction then SBI will levy a Charge of Rs 20 + GST.
IDBI Bank: Transaction Decline charges due to insufficient balance at other Bank ATMs in India is Rs 20.
HDFC Bank: Charges for insufficient funds when a POS or ATM transaction is made is Rs 25 + GST
ICICI Bank: Failed Transaction Charges is Rs 25 it can be at other bank ATMs or point of sale (POS), and is charged for each transaction.
Failed Transaction Charges
Axis Bank: If a transaction is declined due to insufficient funds then Axis Bank will charge Rs 25 per transaction this is for any ATM or POS transaction in domestic ATMs.
YES Bank: YES Bank Charges Rs 25 because of insufficient balance or no balance transaction.
Kotak Mahindra Bank: For a Failed ATM transaction fee Kotak Charges Rs 25.
Union Bank of India: Union Bank of India Charges Rs 20 for a Failed ATM Transaction or a POS Transaction and this is same for Andhra Bank and Corporation Bank as both comes under Union Bank of India.
Insufficient Balance Charges
Bank of Baroda: Fee/Penalty for decline of Debit Card Transactions due to insufficient fund in the account is Rs.20 per declined transaction, same for Vijaya Bank and Dena Bank.
Bank of India: For Insufficient Balance Transaction Rs 20 will be charged along with GST.
Note: Its always better to make sure you have enough balance in your Account before doing a ATM Withdrawal Transaction or a POS Transaction else bank will charge for Failed transaction.