मैं एटीएम से नकद निकालती हूँ।

Because the speaker is female.

In Hindi, the habitual form of the verb agrees with the gender and number of the subject when there is no ने construction involved. So:

• मैं ... निकालती हूँ = a female speaker says I withdraw
• मैं ... निकालता हूँ = a male speaker says I withdraw

So this sentence is specifically something a woman would say.

हूँ is the first-person singular form of the verb होना (to be).

In this sentence, निकालती हूँ works together as the present habitual form:

• निकालती = withdrawing / take out (habitual feminine form)
• हूँ = am

Together, निकालती हूँ means something like I withdraw or I do withdraw in the present habitual sense.

Without हूँ, the sentence would sound incomplete in normal standard Hindi.

से here means from.

So:

• एटीएम से = from the ATM

The sentence is saying that the cash is being taken out from the ATM.

In Hindi, से has many meanings depending on context, including:

• from
• with / by
• than

Here the meaning is clearly from.

नकद means cash.

It is not exactly the same as पैसे, which usually means money in a broader sense. Compare:

• नकद = cash, physical money
• पैसे = money, funds, cash, coins, depending on context

In everyday speech, many people would also say:

• मैं एटीएम से पैसे निकालती हूँ।

That is very common and natural too.
Using नकद makes it specifically cash.

Hindi usually prefers Subject – Object – Verb order.

So the sentence breaks down like this:

• मैं = I
• एटीएम से = from the ATM
• नकद = cash
• निकालती हूँ = withdraw

So literally it is closer to:

• I from the ATM cash withdraw

That is normal in Hindi. The main verb usually comes near the end.

The dictionary form is निकालना, which means to take out, to remove, or to withdraw, depending on context.

Here are some related forms:

• निकालना = to withdraw / to take out
• निकालती हूँ = I withdraw (female speaker)
• निकालता हूँ = I withdraw (male speaker)
• निकाल रही हूँ = I am withdrawing (female speaker)
• निकाला = withdrew / took out

So in this sentence, निकालना is being used in the sense of withdrawing cash.

It normally describes a habitual or general action, not something happening right now.

So मैं एटीएम से नकद निकालती हूँ। is more like:

• I withdraw cash from the ATM
• I take out cash from the ATM

If you want to say I am withdrawing cash from the ATM right now, Hindi would usually say:

• मैं एटीएम से नकद निकाल रही हूँ।
  (female speaker)

So:

• निकालती हूँ = habitual / general present
• निकाल रही हूँ = present continuous / happening now

Because नकद is a direct object here, and Hindi often leaves direct objects unmarked, especially when they are things rather than specific people.

So:

• नकद निकालती हूँ = I withdraw cash

You do not need को here.

In Hindi, को is commonly used for:

• specific animate objects
• indirect objects
• certain marked direct objects

But with a noun like नकद, no को is needed in this sentence.

Yes, often it can be omitted if the context already makes the subject clear.

You could say:

• एटीएम से नकद निकालती हूँ।

Because निकालती हूँ already shows first person singular and female speaker, the listener can usually understand that the subject is I.

Still, including मैं is perfectly normal, especially for clarity or emphasis.

एटीएम is a borrowed abbreviation from English ATM.

In Hindi script, it is written to match the English letter names:

• ए = A
• टी = T
• एम = M

So Hindi speakers commonly say and write एटीएम as a loanword. This is very natural and common in modern Hindi.

Yes. In everyday Hindi, कैश is very common.

So all of these can sound natural, depending on the speaker and context:

• मैं एटीएम से नकद निकालती हूँ।
• मैं एटीएम से पैसे निकालती हूँ।
• मैं एटीएम से कैश निकालती हूँ।

The differences are mostly in style and nuance:

• नकद = more purely Hindi / more formal than कैश
• कैश = very common in modern speech
• पैसे = broad, everyday word for money

Yes. Only the gender-marked part of the verb changes.

A man would say:

• मैं एटीएम से नकद निकालता हूँ।

A woman says:

• मैं एटीएम से नकद निकालती हूँ।

So the key difference is:

• -ता for masculine singular
• -ती for feminine singular

Because this sentence is in the present habitual, not a perfective past construction.

Hindi uses ने mainly in many perfective transitive sentences, for example:

• मैंने नकद निकाला। = I withdrew cash.

But in the present habitual, you say:

• मैं नकद निकालती हूँ।

So:

• मैंने is not used here
• मैं is correct

That is why the sentence starts with मैं, not मैंने.