ग्राहक एटीएम से पैसा निकालता है।

Because Hindi usually follows Subject–Object–Verb order.

So this sentence is arranged like:

• ग्राहक = the customer
• एटीएम से = from the ATM
• पैसा = money
• निकालता है = withdraws / takes out

A very natural English order would be The customer withdraws money from the ATM, but Hindi normally puts the main verb at the end.

Also, एटीएम से is a postpositional phrase, and Hindi uses postpositions after nouns, not prepositions before them.

Here, से means from.

So:

• एटीएम से = from the ATM

In Hindi, से has several uses, including:

• from
• with / by
• than

But in this sentence, the meaning is clearly from because money is being taken out from the ATM.

है is the auxiliary verb is, and together निकालता है forms the habitual present.

So:

• निकालता = withdrawing / withdraws (habitual stem, masculine singular)
• है = is

Together:

• निकालता है = withdraws, does withdraw, or withdraws as a usual action

Hindi often uses this pattern:

• verb stem + ता / ती / ते + होना

Examples:

• वह पढ़ता है = he reads / he studies
• वह आती है = she comes
• वे खेलते हैं = they play

Without है, the sentence would usually sound incomplete in standard Hindi.

The -ता ending shows the habitual participle, and it also agrees with the subject in gender and number in this kind of sentence.

Here, ग्राहक is being treated as masculine singular, so the verb is:

• निकालता है = masculine singular

Compare:

• ग्राहक पैसा निकालता है = the male customer withdraws money
• ग्राहक पैसा निकालती है = the female customer withdraws money
• ग्राहक पैसा निकालते हैं = the customers withdraw money

So -ता here tells you the subject is masculine singular.

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

In Hindi, ने often appears with the subject of a transitive verb in the perfective:

• ग्राहक ने एटीएम से पैसा निकाला।
  = The customer withdrew money from the ATM.

But in the habitual present, you normally do not use ने:

• ग्राहक एटीएम से पैसा निकालता है।

So this is completely normal.

Because पैसा here is a direct object, and Hindi often leaves such objects unmarked when they are inanimate and non-specific/general.

So:

• पैसा निकालता है = withdraws money

Hindi often uses को for:

• animate objects
• specific objects
• emphasis in some cases

But with a general thing like money, no को is needed here.

Compare:

• वह किताब पढ़ता है। = He reads a book / books.
• वह बच्चे को बुलाता है। = He calls the child.

So पैसा without को is normal.

Yes, literally पैसा can refer to a paisa, a small unit of money. But in everyday Hindi, पैसा is also very commonly used in the broad sense of money.

So in real usage:

• पैसा = money
• पैसे = money / funds / cash (also very common)

Both can appear in everyday speech depending on style and context.

For example:

• मेरे पास पैसा नहीं है। = I don’t have money.
• मेरे पास पैसे नहीं हैं। = I don’t have money.

In your sentence, पैसा निकालता है naturally means withdraws money/cash.

It comes from the verb निकालना, which means:

• to take out
• to remove
• to extract
• to withdraw

In the context of an ATM, निकालना means to withdraw.

Breakdown:

• निकालना = dictionary form / infinitive
• निकाल- = verb stem
• -ता = habitual masculine singular ending
• है = auxiliary

So:

• निकालता है = withdraws / takes out

Usually, निकालता है means a habitual or general action, not an action happening right this moment.

So it is more like:

• withdraws
• withdraws money
• does withdraw money

If you want to emphasize that the action is happening right now, Hindi usually uses the progressive:

• ग्राहक एटीएम से पैसा निकाल रहा है।
  = The customer is withdrawing money from the ATM.

So:

• निकालता है = habitual / general
• निकाल रहा है = happening now

In this sentence, the verb निकालता है shows that the subject is being treated as masculine singular.

So:

• ग्राहक ... निकालता है = a male customer withdraws money

If the customer is female, the verb changes:

• ग्राहक एटीएम से पैसा निकालती है।

Many profession/person words in Hindi can be used broadly, but the verb still shows the gender of the person being referred to.

It can mean both, depending on context.

Common meanings of ग्राहक:

• customer
• client
• consumer

In a banking or ATM context, customer is the most natural translation.

Because it is a borrowed abbreviation from English ATM, written in Devanagari as एटीएम.

It is pronounced roughly like the English letters:

• ए = A
• टी = T
• एम = M

Hindi often writes English loanwords and abbreviations in Devanagari script this way.

Other examples:

• टीवी = TV
• यूएसए = USA
• मोबाइल = mobile phone

So एटीएम is just the Hindi-script form of ATM.

Because Hindi does not usually have articles like English a/an/the.

So:

• ग्राहक can mean a customer or the customer
• एटीएम can mean an ATM or the ATM
• पैसा can mean money

The exact meaning depends on context.

This is very common in Hindi. You usually understand definiteness from the situation, not from a separate word.

Yes, Hindi word order is somewhat flexible, but the most neutral order is the one you have here.

Standard, natural order:

• ग्राहक एटीएम से पैसा निकालता है।

Other orders may be possible, especially for emphasis, but they can sound marked or context-dependent.

For a learner, the safest pattern is:

• Subject + other phrases + object + verb

So this sentence is a good model to follow.

A common past version would be:

• ग्राहक ने एटीएम से पैसा निकाला।
  = The customer withdrew money from the ATM.

Notice the changes:

• ग्राहक → ग्राहक ने
• निकालता है → निकाला

This happens because Hindi commonly uses ने with a transitive verb in the perfective past.

If the subject were feminine:

• ग्राहक ने एटीएम से पैसा निकाला।

Interestingly, with पैसा as a masculine singular direct object, the verb still appears as निकाला here.

You would say:

• ग्राहक एटीएम से पैसा निकालते हैं।

Changes:

• निकालता है → निकालते हैं

That shows the subject is now plural (or respectful singular in some contexts, though here plural is the natural reading).

So:

• निकालता है = masculine singular
• निकालते हैं = masculine plural

If the customers are feminine:

• ग्राहक एटीएम से पैसा निकालती हैं is possible in context, though in real usage people often choose wording that makes the feminine reference clearer.