You can make a cardless withdrawal from the ATM with the Instant Money Transfer (IMT) option. This option can be used only in case funds are transferred to your account by the sender using the IMT option through Internet Banking.
Sender initiates a funds transfer request from Internet Banking using IMT option. An SMS with the PIN will be sent to the receiver. Receiver withdraws the money using the IMT option and entering the registered mobile number and the received PIN.