Axis Bank publishes response times for each complaint level and the hours its nodal officers work. This guide explains how to ask Axis Bank about a payment plan or settlement, who to write to at each level and how long you have to go to the RBI Ombudsman. Axis Bank decides any settlement under its own policy; there is no fixed percentage.
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Reviewed by Adv. AK Mishra · Last reviewed:
Axis Bank has hosted a copy of RB-IOS 2026 on its site, as banks must display the scheme. The RBI version is the official one.
Axis Bank issues its own credit cards, so card and loan complaints go through Axis Bank's grievance levels.
Levels and timings are from Axis Bank's Customer Service Information page (checked 29 Oct 2026). Axis Bank also publishes a Grievance Redressal Policy (PDF).
No reply in 30 days, or a reply you don't accept? You can complain to the RBI Ombudsman. See the full complaint steps.
The RBI rules on recovery calls and the checks before you pay are the same for every bank. See help with recovery pressure, the RBI Ombudsman complaint guide and the settlement letter checklist.
Write to Axis Bank explaining why you cannot pay, with proof. The bank checks your case under its own board-approved policy, as RBI's June 2023 rules allow. If it agrees, get the settlement letter first, pay only into the bank's official account, and then ask for a no-dues letter.
Axis Bank's grievance policy (April 2026) says a complaint to the RBI Ombudsman should be made within 90 days of the bank's timeline expiring or its last communication. Check the current scheme on cms.rbi.org.in.
Axis Bank says its nodal officers can be reached from 9:30 AM to 5:30 PM, Monday to Saturday, except the 2nd and 4th Saturdays and bank holidays. Its toll-free numbers are 1800 4030 and 1800 8911.
First complain to the bank. If it does not reply within 30 days, or you do not accept its reply, you can complain free at cms.rbi.org.in within 90 days of the end of that period or the bank's last reply, whichever is later — if your lender is covered by RB-IOS 2026 (housing finance companies and smaller NBFCs are not). Complaints filed before 1 July 2026 stay under the 2021 scheme. See our [RBI Ombudsman complaint guide](/blog/rbi-ombudsman-complaint-guide).
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