Similar story.
Repeated problems with ATMs - whereas none before, using the same card, same ATMs.
Contacted 'home' bank to eliminate that variable but card appears to be fine.
Now use cash withdrawal inside the bank, using card and passport. I obscured the three digit CVC number, as the bank clerks habitually photocopy both sides of the card, plus all the usual Indian Civil Service style xeroxed duplication of signatures, contact details, passport information, etc.
I've done the same process six times now, each time creating the same thin sheaf of paperwork. It's similar to visiting Immigration, except I walk away with more money than I had when I went in as opposed to paying - and oh - there's the occasional smile and 'kah' - both noticeably absent at immigration.
Well worth the tolerant wait, knowing that you're depriving the bank of their ATM fees and instead getting them to do a bit of easy work.