Where can I find ATMs in HP?

#1 May 19th, 2010, 14:10
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Can any of you give up-to-date info about where to find ATM machines taking international credit cards in the areas of Shimla, Kullu, Mandi, Kinnaur.
Thanks a lot.
#2 May 19th, 2010, 16:02
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Shimla is having ATM for sure, In Kinnaur region it's available only in Recong Peo.

Mandi, I am not aware of, hope someone else would be able to answer.

Kulu, definitely has atleast one, hope you have read this post

Regarding international card, the rule is universal, you need to check the logo of Credit Card Issuer (Master/Visa/AMEX/Maestro etc.) in the ATM. If it's there, fairly sure that you would get money unless you have some other issues with the card. Like my corporate AMEX card works everywhere in earth except India, or so called International Cards issued by indian banks don't work for withdrawing foreign currency in Nepal and Bhutan. But these are exceptions not the rules.

I received your email but due to some unforeseen event my total itinerary is messed up, I am trying to regroup the things once again but it's pathetic as I have to cancel so many things, rebook some more. The moment I would be able to come up with new plan, I would let you know, by the way what time you are coming in HP and for how long?

Cheers
#3 May 19th, 2010, 21:32
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Hi Kshil,
Very relieved to hear you did receive my mail....I thought I must be losing faculties and had not managed to send it properly. Computers hold too many mysteries for me.
Wow! I had NOT seen that thread. Thanks for bringing my attention to it. I shall be VERY wary about using ATMs in India now. But what to do? Iīm going to be in HP all of June and about 10 days of July.Impossible to carry much cash.
How about POST OFFICES in India?
Do they have Postal Orders/Cheques which one can send to oneself Poste Restante at a certain branch?
In Indonesia there used to be P.O. Travellerīs Cheques. One bought them in a booklet and the PO officials would cash them at any branch when you showed your ID. Obviously large amounts could not be cashed at a time in small rural POs, but it was a great system.
How about places which cash AMEX Travellers Cheques in HP? Are they a safer option?
Do hope there are some good ideas for solving this dilemma.
#4 May 19th, 2010, 22:09
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#4
Traveller's Cheque is very well an option in India and before the card / ATM era, I remember we used this mode extensively.

There are 2 steps I believe, step1 is converting Foreign Exchange to INR and step2 would be making Traveller's Cheque (TC).

Step1, is as usual what you do in any Forex office, for step2, I think best bet is State Bank of India (SBI), this is a bank whose branches are there in remotest part of country. So while you reach Delhi or Shimla, go to a SBI branch and make TC equivalent of money you have. Then encash them whenever you need it. You may need proof of identity and forex bill to get the INR converted to TC as a foreign national which you would anyway be having with you.

I am not very sure whether AMEX TC could be converted easily in remotest part of India. I understand you don't want to carry cash from your home country, so may be you can bring AMEX TC, convert them in Delhi and again convert in SBI TC. The cost of making TC would be double here but that can't be avoided unless

1. Your home bank is having a branch in Delhi and help you to draw cash here.
2. You can have a SBI overseas bank at your home country who may help you in this regard.

But I don't think ATM incident is very common, may be it's an exception but again better to be safe than sorry.

I replied your email in hotmal account.
#5 May 19th, 2010, 23:47
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Very sound advice as usual Kshil. Iīll try to get SBI TCs when I arrive in Delhi. Connaught Place would be the easiest probably, aS Iīll be staying in Paharganjīs budget options.
#6 May 27th, 2010, 12:26
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Quote:
Originally Posted by kshil View Post Shimla is having ATM for sure, In Kinnaur region it's available only in Recong Peo.
Cheers
Right, there are lots of ATMs in Shimla.
Rampur has a couple of ATMs (SBI, PNB, ICICI will soon start operation).
Peo has ATMs of SBI and PNB.
Saw another SBI ATM within the housing colony of Jaypee Group employees somewhere between Karcham and Wangtu.
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#7 May 27th, 2010, 13:35
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Bhuntar( Kullu Airport town) has ATMs too. You have agents in Parvathi Valley in Kasol and Manikaran who would take a service fee and disburse cash against an accepted card.
#8 May 27th, 2010, 15:36
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Thanks you guys for the information about the ATMs.
Is it really safe to use an Agent?
#9 May 27th, 2010, 15:53
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Quote:
Originally Posted by Cinta Alam View Post Thanks you guys for the information about the ATMs.
Is it really safe to use an Agent?
I had no problem using their services. They have some minimum stipulation with a fixed charge for that.I think the minimum amount is Rs 2000/- and their charges are Rs 50/-.

Ask for the money in Rs 100 denominations .

Also budget and carry adequate money.
#10 May 28th, 2010, 03:54
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Yes I know itīs a problem to change large notes in small villages, but as Iīm staying a long time in HP where to hide safely a huge stash of 100rs notes is an ever bigger problem! Thatīs why Iīm still thinking along the lines Kshil suggested...to buy SBI travel cheques which I can change when needed in any SBI branch around Kullu and Kinnaur areas. Any others used the same system?
#11 May 28th, 2010, 04:25
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It's not that difficult. you can just take out 10,000 rupees at a time, and carry them with you.. Isn't that the easiest option.?
Most places in Shimla or Kullu can change a 500 rupee note.
Most hotels anyway.
#12 May 28th, 2010, 07:38
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#12
Quote:
Originally Posted by Cinta Alam View Post Yes I know itīs a problem to change large notes in small villages, but as Iīm staying a long time in HP where to hide safely a huge stash of 100rs notes is an ever bigger problem! Thatīs why Iīm still thinking along the lines Kshil suggested...to buy SBI travel cheques which I can change when needed in any SBI branch around Kullu and Kinnaur areas. Any others used the same system?
You can bring trvellers' cheques in Euros, if that's what you use at home, and change them at local banks.

I always carry my stash of large notes in a money belt around my waist (under my clothing); at least I always know where it is.
The map is not the territory. --Alfred Korzybski
#13 May 31st, 2010, 16:38
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Nte for kshil
I'm in Delhi now and tried your idea of asking for rupee travel cheques from SBI Bank. I was told they don't do them any more or know of any other bank which do.
Shame.
So we are back to the other option of ATMs or using an agent as has been suggested abpve.
Both these options work out very expensive in commissions if your bank is outside India.
But a large amount of cash is too risky.
#14 May 31st, 2010, 23:44
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There is now an ATM in Kaza too. An SBI ATM. Not sure how many times it has money in it though.

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