I think you have the personal account with Epass. there is only one option to withdraw to US checking account. But if you have obtained a Visa card, then can draw funds from ATM. but keep in mind, there are always fees, fees apply. A Visa Electron costs $35. and finally.. another way, is find some Indian Epass holder who may provide you INR. I do this way every time I need cash. Hope you are cleared. Thanks. SL//