Antho, Thumba, Chetty, and Bombay live in a slum area. They make a living by resorting to petty thefts and crimes and their deeds end up in trouble. Antho has a lover, Chetty is a bike kidnapper, Thumba is a drug seller, and Bombay considers himself to be a dhadha. Swathi (Jackie Shroff), a North Indian, ropes in these four people to rob a bank. The interesting incidents that follow are plotted in ‘ATM’.