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Axis Bank Customer Care: How to File a Complaint to Axis Bank Limited?

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Axis Bank Limited (source – axisbank.com)

Axis Bank Limited is the financial service-based third largest private sector bank in India. The bank offers various financial and banking services to customers including large and mid-corporates, MSME, agriculture, and retail businesses. The bank first started its operations in 1994 and is headquartered in Mumbai. Today, it has 4,903 domestic branches for banking services in India as of March 2023.

The services of the bank include retail personal banking (internet banking, accounts, insurance, loans), investment (securities, fixed deposits, mutual funds, and pensions), government products, and other corporate/retail bankings (business loans, MSME/agri, cards) Some major international financial services of the bank are corporate lendings,  coverage, and liability businesses, trade finance (Forex), syndication, investment, and private banking with wealth management.

Notice - Be alert! Don't share the financial or banking details and don't share OTP to customer care executive. Protect yourself from Frauds and Scams. Report to Cyber Crime Bureau or Call 1930 as soon as possible to protect your earnings and others.

Axis Bank’s overseas bankings:

  • Eight international offices with branches in Singapore, Dubai (at DIFC), and Gift City-IBU
  • Representative offices in Dhaka, Dubai, Abu Dhabi, Sharjah
  • Axis Bank UK Ltd., an overseas subsidiary in London, UK.

Subsidiaries of Axis Bank Ltd:

  • Axis Asset Management Company Ltd.
  • Axis Capital Limited
  • Axis Finance Ltd.
  • Axis Mutual Fund Trustee Limited
  • Axis Private Equity Ltd.
  • Axis Securities Limited
  • Accelyst Solutions Private Ltd.
  • Axis TREDS Limited
  • Axis Trustee Services Ltd.
  • Freecharge
INDEX:

  • How to file a complaint
    • Customer care number
    • File a complaint online
    • NRI customer care
  • Nodal Officer, Axis Bank
  • Principal Nodal Officer
  • Banking Ombudsman
  • Resolve issues
  • FAQs

Want to complain about Axis Bank? Yes! To resolve your issue, you should lodge a complaint to Axis Bank through the toll-free customer care number, email, or online web form. Before this, know the grievance redressal mechanism to get faster resolution from the bank.

The issues may include:

  • Personal banking like bank accounts, cards, loans, digital banking, or fraud/disputes
  • Matters related to ATM and Cash Deposit Machines, business/corporate/MSME banking services, or remittances (forex for exporter/importer)
  • Financial services like insurance, investments, pensions, mutual funds, and securities (stock market and debts)
  • Other disputes related to payment transactions (UPI, NEFT/IMPS, gateways), reward programs, payment settlements, etc.

First, submit your concerns to the branch office or customer care through available channels. Dissatisfied or not resolved? Escalate the complaint online to Nodal Officer, Axis Bank. Further, you may escalate the disputed matter to Principal Nodal Officer.

Still, dissatisfied or not resolved within 30 days? Lodge a complaint against the Axis Bank to the Banking Ombudsman, Reserve Bank of India. To know more, read below.


How to File a Complaint to Axis Bank?

The grievance redressal mechanism is defined in the grievance redressal policy of Axis Bank for the customers and users of banking services. According to this policy, the complaint resolution process involves 3 levels. If your complaints are not resolved or dissatisfied with the response at any level, escalate to the next level.

Axis Bank complaint resolution period and fees:

Registration No Charges (₹0)
Resolution time 30 days (read the grievance redressal policy of the bank)
Refund period 3 to 7 days for auto transaction failures (read TAT times and compensation policy)

3 levels of complaint redressal:

  • Level 1: Lodge your complaint to:
    • Branch Office (Manager) to submit a written complaint letter
    • Online (email, chat, and webform)
    • Customer care, call centre
  • Level 2: Escalate the complaint to Circle Nodal Officer/Nodal Officer (Head Office)
  • Level 3: Still dissatisfied/unresolved? Escalate the disputed case to Principal Nodal Officer, Axis Bank

In the initial stage (level 1), file a complaint through the toll-free Axis Bank customer care number, or helpline number (for fraud protection), or Email your concerns. Also, you may lodge a complaint online by internet banking, web form, or the Axis app.

Dissatisfied with responses or complaints not resolved within 10 days? Escalate the grievance to Circle Nodal Officer/Nodal Officer (HO), Axis Bank with reference/ticket number.

Still, Dissatisfied? Not resolved within 10 days by Nodal Officer? You should escalate this complaint to the Principal Nodal Officer of Axis Bank. Don’t forget to provide the reference/ acknowledgment number.

Finally, if your banking/financial complaint is not resolved within 30 days or dissatisfied with the final redressal of Axis Bank, file a complaint against the bank to Banking Ombudsman, RBI.

For other financial disputes like insurance, pensions, or securities, approach the respective regulatory bodies. Have complaints about violation of consumer rights? You may report this incident to the National Consumer Helpline (NACH), Ministry of Consumer Affairs (MoCA).


Axis Bank Customer Care Number

Want to call the Axis customer service team? You just need to dial the official toll-free helpline and customer care number to complain about your concerns with representatives of the bank. You may also e-mail your disputes with the required information.

Provide the following details:

  • Name of the complainant
  • The subject of the complaint
  • The description of the query, dispute, or issue
  • Other details (if required by banks)

Suggestion – Don’t share any sensitive information related to personal, banking, or financial details with customer care executives of the bank or even with the officers of Axis Bank. This awareness will help to protect yourself from any fraud/scams.

Toll-free customer care numbers and emergency helpline numbers of Axis Bank for banking and financial services:

Axis Bank complaint number 18604195555
Toll-free customer care number 18001035577
Axis Helpline Number (blocking of credit/debit/prepaid cards) +912267987700 (International)
WhatsApp Number +917036165000
Axis Bank customer care 18605005555 
NRI banking customer care +914067174100
Email email.services@axisbank.com
Email (CMS product – Paypro/Power access) cmscustomercare.mum@axisbank.com
Track complaint status 18004190068

Still, dissatisfied or have unresolved/pending complaints for more than 10 days? Escalate this banking complaint to the Circle Nodal Officer of your region or Nodal Officer with Service Request (SR)/reference number.

Additionally, you may write a letter, email, or lodge a complaint online to the designated officer of the respective departments of the bank. For this, follow the instructions below.


File a complaint online

According to Axis Bank, if you want to get faster resolution, lodge a banking complaint online through chat (live customer support), online Webform, or email with some supporting information.  You may also use Axis mobile app to raise your dispute with the bank support team.

Provide this information:

  • Name and contact detail
  • Account number (card last 4 digits)
  • The subject of the nature of banking complaint
  • Description of the issue with banking services and relevant facts
  • Attach supporting documents or proof (if required)

Must note down the SR (service request)/reference number after submission of your complaint to track the status and escalate higher officials (if not resolved).

Details to lodge a banking complaint online with Axis Bank:

Complain online to Axis Bank Lodge a complaint
Track complaint status Track now
Email email.services@axisbank.com
Contact your branch office Click Here
Twitter support @AxisBankSupport

Don’t forget to note down the Service Request (SR) number or details of acknowledgment receipt of the submitted complaint. This can be used to track the status or escalate unresolved cases to higher authorities of the bank.

Alternative ways to raise your banking disputes:

Twitter @AxisBank
Facebook @axisbank
Axis Mobile App Android | iOS

Not resolved within 10 days or dissatisfied with the response? Escalate the dispute by lodging a grievance to the Nodal Officer of Axis Bank.

Want to complain about corporate, MSME, Agri (Corp), MFI Mutual Fund Investments), etc.? Contact the respective departments of Axis Bank below:


1. Corporate Internet banking/SME

Have complaints about corporate Internet banking? For disputes related to corporate banking (phone banking, CMS products, etc.), SME (Small & Medium Enterprises) borrowal accounts, or business services of Axis Bank, lodge a complaint online, call, or email the Corporate office at:

Department Corporate Banking, Axis Bank
Customer care number 18605004971
Email corporate.ib@axisbank.com
Mailing Address Axis Bank Limited, Corporate Office, Bombay Dyeing Mills Compound, Pandurang Budhkar Marg, Worli, Mumbai – 400025.

2. Agriculture (Corp)/MFI

If you want to resolve any dispute related to Agriculture (Corporate) or MFI borrowal accounts, escalate the matter or submit your complaint to:

Department Agri(Corp)/MFI, Axis Bank
Customer care number 18004195577
Mailing Address Axis Bank Limited, NPC1, 6th Floor, Gigaplex, Plot No. I.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400708

3. Stock/Commodity Exchange related Account

If you have any grievance related to stock, commodity, or securities exchange of your business account, write to the Corporate office of Axis Bank at:

Phone Number +912224255587
Operational: +912240867501, +912240867502
Email FIG.capitalmarkets@axisbank.com, capital.market@axisbank.com (for the operational issue)
Address Axis Bank Limited, Corporate Office, Bombay Dyeing Mills Compound, Pandurang Budhkar Marg, Worli, Mumbai – 400025.

Need more information? Visit the corporate banking grievance page of Axis Bank to know more to get redressal of corporate internet banking / SME / Agri (Corp) / MFI / borrowal accounts related concerns,


NRI Customer Care, Axis Bank

If you need help with the NRI (Non-Resident Indian) banking account of Axis Bank or want to raise concerns related to NRI phone banking (internet, digital banking, account, etc.), call on the toll-free number or helpline number, Email your complaints, or lodge a complaint online to the respective representative office or overseas branch of the bank.

Details of overseas banks and customer care for NRI Banking Services and of Axis Bank to file banking complaint:

Country NRI Customer Care Number, Axis Bank
India +914067174100
Australia 1800153861
Canada 18554360726
Qatar 00800100348
Saudi Arabia 8008500000
Singapore 8001206355
UAE 800035703218
UK 08081785040
USA 18552055577

Still, have doubts or unresolved disputes? Please, visit the NRI phone banking section of Axis Bank and try to resolve your banking complaints.

Complain to Overseas/Representative Branch Offices

Have any complaints about the representative office or overseas branch offices of Axis Bank in other countries? Email or contact the overseas offices at:

Country Contact Overseas/Representative Office, Axis Bank
India Phone No: +917966745200
Email: complaints.giftcity@axisbank.com
Address: Axis Bank Limited Overseas Branch Office, IFSC Banking Unit, Unit 403, 4th Floor, Hiranandani Signature, 13-B Zone-I, GIFT SEZ, GIFT City, Gandhinagar, Gujarat, 382355 (India).
Abu Dhabi, UAE Phone No: +97126281668
Email: complaints.adro@axisbank.com
Address: Axis Bank Limited, Abu Dhabi Representative Office, PO Box No.113498, Office No.1003, 10th Floor, Al Masaood Tower, Near Crowne Plaza, Hamdan Street, Abu Dhabi, UAE.
Bangladesh Phone No: +8829853795
Address: Axis Bank Limited, Representative Office, Laila Tower (5th Floor), 8, Gulshan Avenue, Gulshan – 1, Dhaka – 1212, Bangladesh.
Dubai, UAE Phone No: +97143343688
Email: complaints.dro@axisbank.com
Address: Axis Bank Limited, Dubai Representative Office Office No.105, 1st Floor, Al Safa Business Centre, Plot No.318-883, Street No.19, PO Box.122504, Opp. Dubai Central Post Office, Karama Dubai, UAE.
Hong Kong Email: complaints.hk@axisbank.com
Shanghai, China Email: complaints.shg@axisbank.com
Sharjah, UAE Phone No: +97165253330
Email: complaints.sro@axisbank.com
Address: Axis Bank Ltd. Sharjah Representative Office, 1312-1313, Al Hind Tower, Besides Qasba Canal, Al Qasba, Sharjah, UAE.
Singapore Phone No: 006565719229
Email: complaints.sing@axisbank.com
Address: Axis Bank Limited, Singapore Overseas Branch, 9 Raffles Place, #16-20 Republic Plaza II, Singapore – 048619.
Sri Lanka Email: complaints.slk@axisbank.com

Contact details of Overseas Subsidiary and Branch Office of Axis Bank:

1. Axis Bank UK Limited:

Branch Office Axis Bank UK Limited, London
Phone No. +442073972520, +442073972522
Email customercare.uk@axisbank.com
Online Web Contact Axis Bank UK
Address Axis Bank UK Limited, 1st Floor, 4 Chiswell Street, London. Post Code: EC1Y4UP, United Kingdom.

2. Axis Bank Limited, DIFC Branch (Overseas Office), Dubai (UAE):

Branch Office Axis Bank Limited, DIFC Branch, Dubai
Phone No. +97143735555
Email complaints.difc@axisbank.com
Address Axis Bank Limited, DIFC Branch (Overseas), 28th Floor Unit no.2804, Tower 2, Al Fattan Currency House, P.O.Box 506593, DIFC – Dubai UAE.

Still, have any queries, questions, or doubts? Please, visit the overseas presence page of Axis Bank to know more about overseas/representative offices and its banking services.


Nodal Officer, Axis Bank

As per the customer grievance redressal policy, if your submitted complaints are not resolved within 10 working days or dissatisfied with the final response from customer care, the branch manager, or your local loan centre of Axis Bank, then escalate this complaint to the appointed Nodal/Circle Nodal Officer of the bank.

Must provide the following information:

  • Name and contact details
  • Service Request (SR)/reference number
  • Acknowledgement receipt (If complaint submitted in the branch office)
  • The nature of the complaint
  • Description of the issue with basic account details (customer id) and reason for dissatisfaction (if resolved)
  • Attach relevant and supporting documents with facts

You may email, submit an online grievance form, or fill out the complaint form to send it to Nodal Officer, Axis Bank at:

Designation Nodal Officer, Axis Bank
Phone No +918061865200
Email nodal.officer@axisbank.com
Online Webform File a complaint online
Complaint Form Download
Address Nodal Officer, Axis Bank Ltd, NPC1, 5th Floor, “Gigaplex”, Plot No I.T.5, MIDC, Airoli Knowledge, Park, Airoli, Navi Mumbai-400708.

After successful submission, don’t forget to note down the reference/acknowledgment details for future reference (if the dispute is not resolved).

Have your complaints not been resolved within 10 days? Dissatisfied with the final resolution of the Nodal Officer? Escalate this disputed case to the Principal Noda Officer of the bank.

Have complaints related to the bank branch? Report this issue to your Circle Nodal Officer of Axis Bank. Contact the officers of your circle as mentioned here:

Circle Nodal Officers, Axis Bank

Contact details (e-mail, phone number, and address) of Circle Nodal Officer of Axis Bank:

Circle Nodal Officer – Email, Phone No, and Address
Ahmedabad:
Gujarat, UTs of Dadra and Nagar Haveli, Daman and Diu
Phone No: +918061865200
Email: Circlenodalofficer.Gujaratwest@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. 3rd floor, Shivalik – Ishaan Nr. C N Vidyalaya, Ambawadi, Ahmedabad 380006.
Bangalore:
Karnataka
Phone No: +918061865200
Email: Circlenodalofficer.Bangalore@axisbank.com
Address: Nodal Officer, Axis Bank Ltd., No 8, Nitesh Times Square, 2nd Floor, M G Road, Opp to Adiga’s Hotel, Bangalore 560001.
Bhopal:
Madhya Pradesh
Phone No: +918061865200
Email: Circlenodalofficer.Bhopal@axisbank.com
Address: Nodal Officer, Axis Bank Ltd., Bhopal Circle Office, “The Infinity”, 2nd Floor, M.P Nagar, Zone II, Bhopal- 462011 (Madhya Pradesh).
Bhubaneswar:
Odisha
Phone No: +918061865200
Email: Circlenodalofficer.Bhubaneshwar@axisbank.com
Address: Nodal Officer, Axis Bank Ltd, Circle Office, Parthasarathi Complex, First Floor, Holding No-2766, Ward No-36, Sachivalaya Marg Road, G.P.O, Bhubaneswar – 751001.
Chandigarh:
Himachal Pradesh, Punjab, UT of Chandigarh and Haryana (Panchkula, Ambala, and Yamuna Nagar)
Phone No: +918061865200
Email: Circlenodalofficer.Punjab@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. Plot 149, 1st Floor, Industrial Area Phase-1, Chandigarh, PIN CODE – 160002.
Chennai:
Tamil Nadu, UT of Puducherry (except Mahe), and Andaman and Nicobar Islands
Phone No: +918061865200
Email: Circlenodalofficer.Chennai@axisbank.com
Address: Nodal Officer, Axis Bank Ltd., Chennai Circle Office, II Floor, No.3, Club House Road, Chennai-600002.
Dehradun:
Uttarakhand and Uttar Pradesh (Saharanpur, Shamli, Muzaffarnagar, Baghpat, Meerut, Bijnor, and Amroha)
Phone No: +918061865200
Email: Circlenodalofficer.Dehradun@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. Dehradun, Circle Office, 2nd floor, NCR Plaza, New Cantt. Road, Hathibarkala Dehradun, Uttarakhand 248001.
Delhi I:
North, North-West, West, South-West, New Delhi, and South districts of Delhi
Phone No: +918061865200
Email: circlenodalofficer.delhi1@axisbank.com
Address: Nodal Officer, Axis Bank Ltd, Axis House, Tower 3, 4th Floor, Sector128, Noida, UP – 201304.
Delhi II (Haryana NCR):
Haryana (except Panchkula, Yamuna Nagar, and Ambala) and Uttar Pradesh (Ghaziabad and Gautam Budh Nagar)
Phone No: +918061865200
Email: Circlenodalofficer.delhi2@axisbank.com
Address: Nodal Officer, Axis Bank Ltd, Axis House, Tower 3, 4th Floor, Sector128, Noida, UP-201304.
Delhi III:
North-East, Central, Shahdara, East, and South-East districts of Delhi
Phone No: +918061865200
Email: circlenodalofficer.delhi1@axisbank.com
Address: Nodal Officer, Axis Bank Ltd, Axis House, Tower 3, 4th Floor, Sector128, Noida, UP-201304.
Guwahati:
Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland, and Tripura
Phone No: +918061865200
Email: Circlenodalofficer.Northeast@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. Circle Office, Chibber House 3rd floor.G.S.Road. Guwahati-781005.
Hyderabad:
Andhra Pradesh and Telangana
Phone No: +918061865200
Email: Circlenodalofficer.Hyderabad@axisbank.com
Address: Nodal Officer, Axis Bank Ltd., Hyderabad Circle Office, Abhinandan Towers, 6-3-249/3, Road No:1, Banjara Hills, Hyderabad–500034.
Jaipur:
Rajasthan
Phone No: +918061865200
Email: Circlenodalofficer.Jaipur@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. Circle Office, B-115, 1st Floor, Shanti Tower, Hawa Sadak, Civil Lines, Jaipur–302006.
Jammu:
Jammu and Kashmir
Phone No: +918061865200
Email: Circlenodalofficer.Panchkula@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. S.C.O. 390, Sector 20, Urban Estate, Panchkula-134112.
Kanpur:
Uttar Pradesh (excluding Ghaziabad, Gautam Buddha Nagar (Noida), Saharanpur, Shamli, Muzaffarnagar, Baghpat, Meerut, Bijnor, and Amroha)
Phone No: +918061865200
Email: Circlenodalofficer.Lucknow@axisbank.com
Address: Nodal Officer, Axis Bank Ltd., Circle Office, 1st Floor, UPRNSS Building, G4/5-B, Sector 4, Gomti Nagar Extension, Near CMS School, Lucknow – 226010.
Kolkata:
West Bengal and Sikkim
Phone No: +918061865200
Email: Circlenodalofficer.Kolkata@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. 5 Shakespeare Sarani, Kolkata Circle Office, Kolkata – 700071.
Mumbai I:
Districts of Mumbai, Mumbai Suburban, and Thane
Phone No: +918061865200
Email: Circlenodalofficer.Mumbai@axisbank.com
Address: Nodal Officer, Axis Bank Ltd, 3rd Floor, Corporate Park 2, Behind Swastik Chambers, Sion Trombay Road, Chembur East, Mumbai 400071.
Mumbai II:
Maharashtra, (Mumbai and Thane) and Goa
Phone No: +918061865200
Email: Circlenodalofficer.Mumbai@axisbank.com
Address: Nodal Officer, Axis Bank Ltd, 3rd Floor, Corporate Park 2, Behind Swastik Chambers, Sion Trombay Road, Chembur East, Mumbai 400071.
Patna:
Bihar and Jharkhand
Phone No: +918061865200
Email: Circlenodalofficer.Patna@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. Circle Office, 2nd Floor, Plot No. 136, Patliputra Colony, Near Sai Mandir, Patna (Bihar) 800013.
Raipur:
Chhattisgarh
Phone No: +918061865200
Email: Circlenodalofficer.Raipur@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. Raipur Circle Office, 2nd floor, Simran Tower, Jeevan Bima Marg, Raipur, Chhattisgarh – 492001.
Thiruvananthapuram:
Kerala, Lakshadweep, and Puducherry (only Mahe Region).
Phone No: +918061865200
Email: Circlenodalofficer.Patna@axisbank.com
Address: Nodal Officer, Axis Bank Ltd. Circle Office, 5th Floor, Chicago Plaza, Rajajai Road, Kochi – 682035, Kerala.

Need more information? Visit the Circle Nodal Officer page of Axis Bank to know the available officers and their contact details.

Dissatisfied with the response or is still not resolved? Escalate the grievance to Principal Nodal Officer with the SR number and information related to the disputed matter.


Principal Nodal Officer, Axis Bank

Have unresolved/unsatisfactory complaints? Don’t worry. If your complaints related to banking, financial products/services, and bank staff behavior (unethical practices/ corruption) are not resolved within 10 days or dissatisfied with the final response of Nodal Officers, then escalate the complaint to Principal Nodal Officer, Axis Bank.

Must mention the following:

  • SR/reference or acknowledgment receipt number
  • Name and contact details
  • The subject of the complaint with the reason for dissatisfaction (if resolved)
  • Description of the unresolved/unsatisfactory complaint with facts and relevant information (download form below)
  • Attach supporting documents and evidence (if any)

Email, submit an online complaint Webform, or send the filled grievance application form to the appointed Principal Nodal Officer at:

Designation Principal Nodal Officer (PNO), Axis Bank
Phone No +918061865098
Email pno@axisbank.com
Online Webform Lodge a complaint online
Complaint Form Download
Address Principal Nodal Officer, Axis Bank Ltd. Axis Bank LTD. 4th Floor, Axis House, Wadia International Centre, P.B. Marg, Worli, Mumbai 400025.

Still, have dissatisfaction? If your submitted case is not resolved within 30 days (including levels 1, 2, and 3) or not satisfied with the final resolution of the Principal Nodal Officer, then file a complaint to the Banking Ombudsman, Reserve Bank of India (RBI).

As an alternative, you may start an internal arbitration with Axis Bank to resolve your disputes. For this, contact the bank with legal notice to start an arbitration to settle the dispute internally with agreed compensation.


Banking Ombudsman, RBI

The Reserve Bank of India has issued Integrated Ombudsman Scheme, 2021 for all regulated/registered banks. According to this scheme, every bank has to resolve banking complaints within 30 days. If the disputes are not resolved, or delayed, or you are dissatisfied with the final response of the bank, you can lodge a complaint against the bank to the Banking Ombudsman of RBI.

So, if your submitted complaint is not resolved within 30 days or dissatisfied with the Principal Nodal Officer of Axis Bank, you may proceed to file a complaint against Axis Bank to the Ombudsman.

Must provide these details to the Ombudsman:

  • Service Request (SR) number of the complaint (Axis Bank)
  • Description of the dispute with relevant facts and supporting documents
  • Other details (if any)

To raise your concerns, you can file a complaint online, e-mail, or submit a written complaint letter to your nearest Regional Office (RO) of RBI. To lodge a banking complaint online against the bank, visit the link below.

Click: File a complaint online to Banking Ombudsman, RBI

As suggested earlier, you may also start mediation with the bank by filing a notice of dispute resolution to initiate arbitration. For more details, you may visit the nearest branch office of Axis Bank.

Have complaints about other financial products and services? If your disputes related to other financial services are not resolved by the Axis Bank or dissatisfied with the resolution then approach these respective regulatory bodies:

Want to resolve any disputes related to the violation of consumer rights by Axis Bank? You may file a consumer complaint online to National Consumer Dispute Redressal Commission (NCDRC) through E-DAAKHIL with supporting evidence.

Still, have dissatisfaction? Finally, you may seek help from a legal expert to resolve your serious/critical dispute with the bank. By doing this, you can know the available alternative methods or legal actions that can be used for your case.


Issues that can be resolved

These are some banking/financial issues related to services offered by the Axis Bank that can be redressed:

1. Axis Accounts

  • Issues related to savings, current, salary, and trust/ NGO savings accounts
  • Disputes regarding Public Provident Fund (PPF), AxisDirect Invest Account, and safe deposit locker
  • Other issues like safe custody, pension disbursement account, and Axis Active plans
  • Matters of PMJDY, Mobile Digital Rupee App, payment transactions (UPI, NEFT, IMPS, etc.), and other digital transaction failure issues

2. Bank Deposits

  • Complaints related to digital fixed deposit (FD), bank FDs, recurring deposits, and tax saver fixed deposits
  • Other issues related to bank fixed deposit plus and auto fixed deposit plans and reimbursement of FD or claim settlement

3. Cards

  • Issues related to Credit Cards (pending bills, EMI, charges/fees, etc.), Debit, Pre-paid, and Transit Cards
  • Disputes with commercial credit cards or debit cards, digital payments, and recurring payments
  • Other issues like refunds, claims of car insurance, and EMI on Axis cards (credit/debit)

4. Personal Loans

  • Complaints about home, personal, or vehicle (two-wheeler, cars, etc.) loans
  • Issues related to business, education Loan, or loan against property
  • Matters of gold loan (as security), loan against securities (equity, debts, lands, etc.) or fixed deposit, and commercial vehicle & construction equipment loans
  • Other disputes related to loans like EMI payments, repayment of the loan amount, late fees/charges, etc.

5. Forex payments

  • Issues with forex cards, international fund transfers (remittances), online transactions, and foreign currency cash and demand drafts
  • Problems related to Axis Bank Horizon (overseas education) and RI Pro deposits

6. Insurance

  • Disputes with life, general, and health Insurance and settlement of claims
  • Matters of government schemes like PMSBY (Pradhan Mantri Suraksha Bima Yojana), PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana), etc.
  • Complaints about insurance claims, payment settlements, and other insurance issues

7. Investments

  • Issues with Mutual Funds, digital gold scheme, and Axis Direct trading & demat Account
  • Disputes related to IPO Smart, Sovereign Gold Bond (SGB), alternate investment products, and National Pension System (NPS)
  • Other matters regarding investments like securities, stock/demat account, interest on deposits, etc.

8. Government Product

  • Disputes related to government small savings schemes like Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Kisan Vikas Patra, etc.
  • Issues with government pension schemes like Atal Pension Yojana (APY), investment schemes, RBI floating rate savings bonds, etc.

9. Other financial services

  • Complaints about the other Axis Bank products and services like SIP, FASTag, Freecharge Pay Later, etc.

10. Agriculture, MSME, and Business Loans

  • Issues related to farmer funding, loans for Agriculture traders & processors, or warehouse receipt loans
  • Disputes with MSME Samriddhi and tractor Loans, gold loans, and microfinance
  • Concerns with corporate/business loans, repayments, and business correspondents

11. Rural Banking

  • Matters of rural banking services, branch offices, and other rural initiates of Axis Bank
  • Disputes related to the behavior of staff, unethical practices like corruption, bribes, threats, favoritism, etc.

Complaint Resolution Period

The timeline for the resolution of issues related to banking and financial products and services offered by Axis Bank, as mentioned in the grievance redressal policy, are:

Type of issue/service Resolution Period (T+ days)
Delay in failed ATM/BNA/Recycler transactions 5 days
Delay in crediting failed IMPS/UPI transactions 1 day
Delay in crediting failed Aadhaar-enabled payment systems 5 days
Delay in crediting failed Aadhaar Payment Bridge systems 1 day
Delay in crediting failed NACH transactions 1 day
Fraudulent or unauthorized electronic (online) banking transactions which include remote /online
payment transaction & proximity payment transactions (ATM/POS)
90 days
POS/Online payment disputes 120 days
Payments through NEFT/RTGS (As defined by NPCI) 15 days
For all other interactions which do not fall under these categories  10 days

1. Delay in crediting failed card payment transactions:

Type of issue/service Resolution Period (T+ days)
Card-to-card transfer 1 day
POS or e-commerce 5 days

2. Delay in the credit of beneficiary account for transactions initiated through prepaid instruments like Cards/Wallets:

Type of issue/service Resolution Period (T+ days)
Off-US transactions: the transaction will ride on UPI, card network, IMPS, etc., as the case may be TAT and compensation rule of the respective system shall apply
On-US transaction: PPI debited but transaction confirmation not received at the merchant location Reversal to be effected in T+1 calendar day

For more details, you may read the grievance redressal policy and turnaround times (TAT) of the bank.


Frequently Asked Questions about Axis Bank

Q. What is the customer care number of Axis Bank to resolve a banking issue?
A. Dial the toll-free customer care number 18001035577 or call at 18604195555 and +912267987700 to register your banking complaint with Axis Bank.  You may also WhatsApp +917036165000 or Email email.services@axisbank.com to raise your disputes.

Q. Where can I escalate the complaint if my issue is not resolved by customer care?
A. First, if your complaints are not resolved within 10 days or dissatisfied with the final response then escalate the grievance to the Nodal/Cicle Nodal Officer of the bank. Still, dissatisfied or not resolved? Escalate the complaint to Principal Nodal Officer, Axis Bank with reference/SR number of unresolved complaint.

Q. Where can I approach if my complaints are not redressed or I’m not satisfied with the response of Axis Bank?
A. If your banking complaint is not resolved within 30 days or dissatisfied with the final resolution then file a complaint against Axis Bank to Banking Ombudsman, RBI with some required relevant information.


Reference

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You can message us directly from our Contact Us page or mail us at SUPPORT - help.complainthub@gmail.com. We will respond to you with the procedure and guidance for your issues to get a faster resolution.

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User Reviews (3)

BR
Boinpally Raghavender
Apr 24, 2024

Unnecessary Debit interest charges

Hi. This is Raghavender I am using axis bank credit card since 1 year. I got a March month bill around 65400+ amount I have paid total bill amount but they are charged debit interest charges. I don't know what happening in Axis Bank. If I can't pay single rupee what they will do.
AD
Arumugam D
Apr 17, 2024

Credit card closing issue

Dear Team, I would like to clarify that there are no pending dues for the credit card ending with number XXXXXX46. On the other hand, the card ending with number XXXXXX18 only has a joining fee outstanding of Rs. 1796.52. Since I no longer use this card and haven’t made a single transaction, I kindly request the closure of this account. As per the RBI guidelines, if a cardholder hasn’t used the card and requests its closure, the joining fee should not be applicable, and there is no obligation to pay it. I am not willing to pay this amount. Please close this credit card account. Furthermore, I intend to escalate this matter to higher authorities and file a complaint with the bank or NBFC. Could you please provide the necessary details for filing a complaint? For your reference, please find the RBI guidlines : Joining Fee: The joining fee is typically charged when you first acquire the credit card. It covers administrative costs and initial benefits. However, if you haven’t used the card and are requesting its closure, the joining fee should not be applicable. You are not obligated to pay it. Thank you for your understanding and cooperation.
T
T.Stella
Apr 14, 2024

Account was debited

Hi Team,: My account was debited on 10 th April 2024. Rs.590/- as” Debit card charges GST Annual”. This is very higher side compare with our other accounts. Pls revert your comments urgently. Rgds T.Stella

Ratings

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Hi. This is Raghavender I am using axis bank credit card since 1 year. I got a March month bill around 65400+ amount I have paid total bill amount but they are charged debit interest charges. I don't know what happening in Axis Bank. If I can't pay single rupee what they will do.Dear Team, I would like to clarify that there are no pending dues for the credit card ending with number XXXXXX46. On the other hand, the card ending with number XXXXXX18 only has a joining fee outstanding of Rs. 1796.52. Since I no longer use this card and haven’t made a single transaction, I kindly request the closure of this account. As per the RBI guidelines, if a cardholder hasn’t used the card and requests its closure, the joining fee should not be applicable, and there is no obligation to pay it. I am not willing to pay this amount. Please close this credit card account. Furthermore, I intend to escalate this matter to higher authorities and file a complaint with the bank or NBFC. Could you please provide the necessary details for filing a complaint? For your reference, please find the RBI guidlines : Joining Fee: The joining fee is typically charged when you first acquire the credit card. It covers administrative costs and initial benefits. However, if you haven’t used the card and are requesting its closure, the joining fee should not be applicable. You are not obligated to pay it. Thank you for your understanding and cooperation.Hi Team,: My account was debited on 10 th April 2024. Rs.590/- as” Debit card charges GST Annual”. This is very higher side compare with our other accounts. Pls revert your comments urgently. Rgds T.StellaAxis Bank Customer Care: How to File a Complaint to Axis Bank Limited?