Axis Bank customer Piyush Mundra alleges severe delays in activating internet banking for his current account, forcing manual business operations. Read full complaint, legal options, and how Choice4Voice.com supports consumers.
Complaint Summary : Axis Bank Complaint: Piyush Mundra Alleges Delay in Internet Banking Activation for Current Account
| Details | Information |
|---|---|
| Complainant Name | Piyush Mundra |
| Not disclosed | |
| Phone/WhatsApp | Not disclosed |
| Complaint Type | Banking Service Delay |
| Company/Brand | Axis Bank |
| Product/Service | Current Account & Internet Banking |
| Order/Service No. | Not available |
| Issue Description | Internet banking not activated for weeks despite account opening. |
| Date of Incident | September 2025 (as per complaint timeline) |
| Company’s Response | No resolution – repeated excuses that process is “pending with backend.” |
| Additional Notes | Business operations severely hampered. |
About the Complainant
Mr. Piyush Mundra is associated with Kwality Stores Supply Agency, dealing in aluminium, copper, and brass materials. His business relies heavily on internet banking facilities for daily transactions. The delay by Axis Bank has forced him to conduct operations manually, causing inefficiency and frustration.
About Axis Bank
Axis Bank is India’s third-largest private sector bank, serving retail, corporate, and SME customers. The bank provides current account facilities that should include quick internet banking activation to support businesses. However, repeated complaints about delays, backend excuses, and poor digital readiness raise concerns about Axis Bank’s service standards.
Details of the Complaint
- The complainant opened a current account with Axis Bank.
- While the account was opened, internet banking was not activated for an unusually long time.
- Mr. Mundra was repeatedly told that the matter is “pending with backend.”
- Due to this, his business had to revert to manual operations, reducing efficiency.
- Frustrated by lack of resolution, he warned others against opening accounts with Axis Bank.
Legal Cases That Can Be Filed
A business customer facing such service deficiencies has the following legal remedies:
- Consumer Court (Consumer Protection Act, 2019):
- Even business accounts qualify when there is deficiency in service by banks.
- Banking Ombudsman (RBI):
- Complaint for unreasonable delay in providing internet banking services.
- Civil Suit for Business Losses:
- Compensation can be sought for damages caused by forced manual operations and delays.
- Breach of RBI Service Standards:
- RBI mandates banks to provide digital banking services promptly. Delay is a regulatory violation.
Role of Choice4Voice.com
At Choice4Voice.com, our process ensures consumer protection:
- Step 1 – Awareness: Publishing this case brings Axis Bank’s delay issue to light.
- Step 2 – Pressure: Public exposure pushes banks to act faster.
- Step 3 – Legal Action: If Axis Bank fails to resolve, Choice4Voice.com can assist by filing a legal case on behalf of Mr. Mundra.
- Step 4 – Advisory: We also guide customers on how to file complaints independently with RBI or Consumer Forums.
How to File a Banking Complaint (Format)
- Subject: Non-Activation of Internet Banking by Axis Bank
- Complainant Details: Name, Address, Business Name, Contact
- Bank Details: Branch name, Account Number (masked for privacy)
- Incident Description: Timeline of account opening, repeated delays, impact on business
- Relief Sought: Immediate activation of services + compensation for delay
- Supporting Evidence: Written communications, emails, complaint numbers, account details
Preventive Guidance for Business Owners
- Before switching banks, check service reviews for business banking.
- Demand a written timeline for activation of internet banking.
- Escalate unresolved cases to the Nodal Officer before going to RBI Ombudsman.
- Always keep backup accounts in another bank to avoid business disruption.
Q&A Section
Q1: How long does Axis Bank take to activate internet banking for current accounts?
Normally 3–7 working days. Anything beyond that is unusual.
Q2: Can I operate my Axis Bank current account without internet banking?
Yes, but only manually at the branch, which is inconvenient for businesses.
Q3: What should I do if internet banking is not activated?
File a written complaint with branch manager, then escalate to nodal officer.
Q4: Can I file a legal case for banking service delay?
Yes, under the Consumer Protection Act for deficiency in service.
Q5: Does RBI regulate timelines for internet banking activation?
RBI expects timely service, though no strict days are mentioned.
Q6: Can I claim compensation for business loss due to Axis Bank delays?
Yes, through a consumer court or civil suit.
Q7: What documents are needed to prove banking negligence?
Account opening forms, complaint tickets, written excuses, and business loss records.
Q8: Who is the nodal officer at Axis Bank?
Each bank appoints a nodal officer; details are on Axis Bank’s official site.
Q9: Can I switch to another bank if services are delayed?
Yes, but first ensure closure charges or conditions are met.
Q10: Is internet banking mandatory for current account users?
Not mandatory, but crucial for business operations.
Q11: What happens if Axis Bank fails to activate internet banking indefinitely?
It counts as deficiency in service, actionable under consumer law.
Q12: Can RBI Ombudsman fine banks for such delays?
Yes, RBI Ombudsman can direct banks to resolve and even compensate.
Q13: Is it common for Axis Bank to delay digital services?
Many consumers have raised similar complaints online.
Q14: What are the steps to approach Consumer Court?
Submit complaint, attach proof, seek compensation. Lawyers can assist.
Q15: Can internet banking be activated online in Axis Bank?
Yes, if credentials are issued. But first setup requires bank’s backend approval.
Q16: What is a “backend delay” in banking terms?
It refers to pending internal verifications or processing by bank servers.
Q17: Can I escalate Axis Bank complaints to RBI directly?
Yes, via RBI CMS grievance portal.
Q18: Is there any penalty on Axis Bank for delay in providing services?
Yes, RBI can penalize banks for customer service failures.
Q19: Can Choice4Voice.com help me escalate against Axis Bank?
Yes, Choice4Voice.com publishes, escalates, and can file legal complaints.
Q20: Should I keep multiple current accounts for business safety?
Yes, having backup accounts prevents complete disruption during disputes.
Source of Complaint
Original post by Mr. Piyush Mundra on LinkedIn regarding Axis Bank’s delay in internet banking activation for current account.
