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Axis Bank Complaints & Reviews

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Updated: Apr 16, 2026
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Axis Bank reviews & complaints page 233

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V
Vikram0189
from Delhi, Delhi
Sep 14, 2019
Resolved
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Address: Gautam Buddh Nagar, Uttar Pradesh, 201309

I have applied for personal loan of rs 1lakh which got sanctioned and i have signed the loan agreement which executive ajay kumar ([protected]) working in noida sec 128 bought and at the time of signing the agreement he informed life insurance is mandatory along with loan which i declined. He then called again and informed that loan will only be disbursed if i agree to purchase hdfc life insurance.

If this insurance was mandatory than why did your sales executive didn't informed this to me before loan was sanctioned? He is telling me this thing when i signed the loan agreement which is clear case of cheating and i have never accepted this type of behavior from reputated bank like axis bank.

So if you can't disburse my sanctioned loan amount without this hdfc life insurance then please cancel my loan request.
Here is my application id=10857601
Oct 20, 2019
Complaint marked as Resolved 
Axis Bank customer support has been notified about the posted complaint.
Verified Support
Sep 17, 2019
Axis Bank Customer Care's response
Hi, we tried reaching you today, however, we were unable to connect as the number was not reachable. Request you to share a preferred time, when we may connect with you and offer the necessary assistance. Regards, Team Axis Bank.
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    P
    pinky gosalia
    from Mumbai, Maharashtra
    Sep 14, 2019
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    Address: 400103

    I had a fixed deposit with axis bank, i c colony br :borivali west... The deposit got matured in yr 2018... As i was hospitalized for 2 months and i m still bed ridden.. Howeber did not go to the bank for any withdrawal and left it for auto renewal... This fixed deposit was then matured in 2019... When i visited the branch in mar 2019 to withdraw the amount, but to my surprise i was informed that the interest was already credited to my savings ac... But after checking my savings ac there was no credit that was done in the account, later realized that the money was credited to my fathers account where i m a joint ac holder... My concern is that there was no standing instruction that was given for crediting the interest in my savings account and also it was credited to a different account altogether... When discussed the entire thing with the branch manager she told me that it was a systems error and will look into the same... Have requested them to get the money back to me... The person in charge has made all false promises.. Her name is namrata who has now got transferred to gorai branch... She has not even informed me, neither has she given any hand over to any one in d branch... Now the branch head ms nair, nri relation manager ms lemos and rashmi kadam has been lookin d matter … two months already but no action taken so far... Every time same thing we are lookin into it... Please look into the matter as i m unable to visit the branch... My wife pinky gosalia has bn following but has got to help so far...
    Oct 19, 2019
    Complaint marked as Resolved 
    Axis Bank customer support has been notified about the posted complaint.
    Verified Support
    Sep 17, 2019
    Axis Bank Customer Care's response
    Hi, we are here to help! Please DM us your registered contact details and we will revert shortly. Regards, Team Axis Bank.
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      sumit.15111
      Sep 14, 2019
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      Address: house no- 111,Narsi village sector- 32, Karnal, Haryana, 132001

      Respected indian consumer form,

      I want to complain against axis bank.

      Last week i have activate my account which was dormant from last three years. And axis bank confirmed 10 times their will be no additional charges apart from your negative amount. Which was 978 some around. Now i'm received 2 message deduction for inr 3915 and inr 704.7. It's maintain as consolidated charges and gst on that.
      I'm not getting why this amount deducted. When it was already confirmed me there will be no charges when you will reopen your account.

      It's seriously very bad thing done by axis bank, and i want to fill complain against them.
      Deduction of amount screen shot attached.

      Account holder:- sumit choudhary
      Account number:- [protected]

      Thanks & regard,
      Sumit choudhary
      Mobile no[protected]
      Oct 22, 2019
      Complaint marked as Resolved 
      Axis Bank customer support has been notified about the posted complaint.
      Verified Support
      Sep 17, 2019
      Axis Bank Customer Care's response
      Hi, we are very transparent in terms of charges which are mentioned on our website under the most important terms and conditions of application form and statements. Request you to refer to the below link to get the details of charges applicable on your account: https://application.axisbank.com/FeesAndChargeMaster/FeesAndCharges.aspx. Regards, Team Axis Bank
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        MeghaSarkar64
        from Mumbai, Maharashtra
        Sep 14, 2019
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        Address: Lakeside Infotech Pvt Ltd, 1504, Rupa Solitaire, Millenium Business park, Mumbai City, Maharashtra, 400710

        Hi,
        I have a salary account with axis bank for past 4 years and today i recieved a amount deduction of rs 2000 with the message of consolidated charges for account. I do not agree to any policy showing this much amount as consolidated.
        I need proper justification and if there is no please credit this amount back. It's a large amount for consolidation charges.
        Axis Bank customer support has been notified about the posted complaint.
        Nov 06, 2019
        Updated by MeghaSarkar64
        No updates yet.
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          Lingeshwar_srinivas
          from Noida, Uttar Pradesh
          Sep 14, 2019
          Resolved
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          Address: No.12, vallalar street , Nilamangai Nagar, adambakkam, chenn, Nilamangai Nagar, Adambakkam, Chennai-88, Chennai, Tamil Nadu, 600088

          Without my permission some amount getting debited from my account, it is mentioned in the statement like tip/scg. Visa. Pos. Dt. If i ask customer care they say if i use my debit card in hotel or some shopping it will be charged. Am using saving account and what is the use it, why you guys charge me for using debit card. The restaurant or super market or where ever we swipe they charge 2 percent for using card, the merchant will pay the bank some percentage and why the hell you guys charging from us too. You guys charging all sort of sevice charge, atm usage charge, quarterly charge etc etc from use without fail, including all this charge this hidden changers.

          If this is your process alert us through sms u will be charged certain amount since you swipped with this merchant, you guys correctly charging 15 rs for sms right the what is the pain for you to alert a customer. If we repay loan or cc bill you guys keep on msging right why can't do this.

          I need a proper response for this and i need my money back till now which is debited
          Oct 27, 2019
          Complaint marked as Resolved 
          Axis Bank customer support has been notified about the posted complaint.
          Sep 14, 2019
          Updated by Lingeshwar_srinivas
          Still no response from bank

          Verified Support
          Sep 17, 2019
          Axis Bank Customer Care's response
          Hi, we are here to help! Please DM us your registered contact details and we will revert shortly. Regards, Team Axis Bank.
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            Rajkumar@Cloud
            Sep 14, 2019
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            I have a kochi metro card when i check with customer care what's the replacement fee for kochi metro card, each and every one from the customer care will say different answers.

            If i send mail to axisbank regarding the replacement card fee, they are sending reply "please check with any of the metro stations"

            2nd question - when will the old balance will get transferred to new card - the reply — please go to nearest axis bank show all the proof and get transfer to new card.

            One more funny reply — go to any metro station, and they will transfer the balance.

            No one from back office, doesn't know what answer to provide to customer and i am waiting for 25 days to get all this answer.

            When i send a mail, there is no sla and they will send stupid reply.

            Just now i had a call with kochi metro customer care, they mentioned that the balance is not in process, when i had a call yesterday the executive mentioned that it's in process. — what a good performance to tell lie.
            Axis Bank customer support has been notified about the posted complaint.
            Sep 14, 2019
            Updated by Rajkumar@Cloud
            Hope most of the stupid person is in Kochi Metro Back office
            Sep 17, 2019
            Updated by Rajkumar@Cloud
            It's already 5 days no answer, When I call your customer support no proper answer.

            This shows the lethargic style of Back Office, When you are unable to provide customer support,

            Better learn from HDFC bank, how the customer support is working and get the style of work to be done in time.
            Verified Support
            Sep 17, 2019
            Axis Bank Customer Care's response
            Hi, we regret the inconvenience caused. We are here to help! Please DM us your registered contact details and we will get back to you at the earliest. Please note, as part of the resolution process, our executives will never ask you to initiate any financial transaction or download any app or part with confidential account related information. Please refrain from doing so and report such incidents immediately. Regards, Team Axis Bank.
            Sep 17, 2019
            Updated by Rajkumar@Cloud
            Name Rajkumar Dhandapani
            Contact number[protected]
            Sep 19, 2019
            Updated by Rajkumar@Cloud
            Hello how long uou need to solve a simple issue

            Why its taking too much time

            Are you peoples are aware jow to do this kind ofwork, when a work has yo be completed in 10 days, you peoples are taking a month time

            Why?
            Sep 20, 2019
            Updated by Rajkumar@Cloud
            When are you unable to do this simple work, Just a transfer from Old Metro Card to New Metro Card, Why you people are issuing Metro Card?

            Are your team aware, how do this kind of work?
            Sep 25, 2019
            Updated by Rajkumar@Cloud
            Hello

            Where you peoples gone? When can I expect reply?
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              S
              Sumaira2013
              from Mumbai, Maharashtra
              Sep 13, 2019
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              Hello this is with regards to the car loan which i hold with axis bank. Almost 2 years before i had requested the bank for an emi holiday due to my bad financial condition. But the bank was of no help. There were 2 emis pending which were unpaid. The bank gave the collection department the dutch to collect the same. The person used to come and collect the amount. Later i started putting in the loan account directly an confirmation from them. Few months back i have cleared all the pending emi. Now i am getting calls for clearing the bounce charges etc. The staff not guiding properly has put me such a situation. Now the representative who used to coordinate regarding the emi do not take calls nor revert back. I am helpless because there is no point of contact. Please get this sorted out
              Oct 14, 2019
              Complaint marked as Resolved 
              Axis Bank customer support has been notified about the posted complaint.
              Verified Support
              Sep 13, 2019
              Axis Bank Customer Care's response
              Hi, we are here to help! Please Inbox us your registered contact details and we will revert shortly. Regards, Team Axis Bank.
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                A
                Abhinandan dhiman
                from Gagret, Himachal Pradesh
                Sep 13, 2019
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                Address: yol, 176052

                Dear sir/madam,

                I have using axis bank neo credit card from last 1.5 y but from the date of purchase till this date i have not received my e - statement of credit card many times i contacted to you customer complaints but my issue is not resolved when my instalments were due bank personnel calling me again and again and when iam asking for my statement they will only assure but not providing me stament if this issue is not resolved quickly i will took legal action against axis bank.

                Br

                Abhinandan dhiman
                [protected]
                Axis Bank customer support has been notified about the posted complaint.
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                  F
                  FebaT
                  Sep 12, 2019
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                  Address: JAIPUR, 302016
                  Website: JAIPUR

                  This is bring it into your notice that, i could not able to pay the credit card bill in last few months due to my bad financial situation and i have bean shifted out of country due to some family issue, the minimum due is rs 50000, one persona form north recover team is threatening the family members and he clamed that he is "advc s. Mahajan" (Using fake identity (Mobile : [protected]) working for north recovery axis bank.
                  Instead of doing settlement with customer he is threatening and he is share confidential details of family member so easily. Like passport number. I am affair that axis bank sharing the personal details with third party.
                  I am unable to pay the dues, requesting you to provide more time to clear all the dues and
                  I need direct axis bank representative to contact me.

                  Email:[protected]@yahoo.com
                  Axis Bank customer support has been notified about the posted complaint.
                  Sep 13, 2019
                  Updated by FebaT
                  STILL NO CALLS No UPDATE
                  Verified Support
                  Sep 13, 2019
                  Axis Bank Customer Care's response
                  Hi, we request you to contact our phone Banking numbers on [protected] / [protected], our Phone Banking team will assist you further in this regard. Regards, Team Axis Bank.
                  Sep 13, 2019
                  Updated by FebaT
                  i am out of country i needed some one to contact me in my e mail id
                  Sep 13, 2019
                  Updated by FebaT
                  or provide me the contact number of the representative in my mail id ( i need only bank representative / no recovery ) [protected]@yahoo.com CARD NUMBER [protected]
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                    S
                    Sakshi0407
                    from Patiala, Punjab
                    Sep 12, 2019
                    Resolved
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                    Address: Gurgaon, Haryana, 122001

                    Dear sir,

                    This is inform you that i have a edc machine of axis bank ltd.
                    And a current a/c [protected]
                    I have a edc machine terminal problem and machine is also not doing work properly. I made a complaint many times on your call center numbers but they didnt do any thing. I have so many lose of transactions many time because of machine working problem. I request you to help me

                    With regard
                    K. S enterprises
                    A/c no. [protected]
                    Edc machine
                    Model no. Vx675
                    Mid no. [protected]
                    Tid no. 94376179
                    Oct 14, 2019
                    Complaint marked as Resolved 
                    Axis Bank customer support has been notified about the posted complaint.
                    Verified Support
                    Sep 13, 2019
                    Axis Bank Customer Care's response
                    Hi, we have tried reaching you today, however, the call went unanswered. Request you to share with us a preferred time to contact. Regards, Team Axis Bank.
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                      A
                      Arushi Srivastava
                      from Limbdi, Gujarat
                      Sep 12, 2019
                      Resolved
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                      Address: New Delhi, Delhi

                      I have a salary account and on 12th september, an amount of rs. 669 has been deducted.
                      Earlier also some amount of approx rs. 150 was deducted in the month of may under consolidated dp charges.
                      This is highly unfair on the part of the bank to deduct money without the knowledge of the customer.
                      This is completely cheating and gauging money from innocent customers. I would also like to close my account.
                      Oct 14, 2019
                      Complaint marked as Resolved 
                      Axis Bank customer support has been notified about the posted complaint.
                      Verified Support
                      Sep 12, 2019
                      Axis Bank Customer Care's response
                      Hi, we regret the inconvenience caused. Please provide us with your registered contact number through a DM and we will get back at the earliest.
                      Also please note, as part of the resolution process, our executives will never ask you to initiate any financial transaction or download any app or part with confidential account-related information. Please refrain from doing so and report such incidents immediately. Regards, Team Axis Bank.
                      Verified Support
                      Sep 13, 2019
                      Axis Bank Customer Care's response
                      Hi, thanks for writing in. Here is a link that will give you more information on this topic - https://application.axisbank.co.in/webforms/axis-support/issues/Demat-charges.aspx Regards, Team Axis Bank.
                      I lost my 2449RS, due to unauthorized transaction without otp and my concern
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                        Sukesh Acharya
                        from Bengaluru, Karnataka
                        Sep 12, 2019
                        Resolved
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                        Address: 560021

                        Dear team, this is bring it into your notice that, i could not able to pay the credit card bill in last 2 months due to my bad financial situation, the minimum due is 60000, and last month i have lost my job as well, as my current situation i am unable to pay the dues, requesting you to provide weeks more time to clear all the dues.
                        Seeking your valuable support on this.
                        Oct 14, 2019
                        Complaint marked as Resolved 
                        Axis Bank customer support has been notified about the posted complaint.
                        Verified Support
                        Sep 12, 2019
                        Axis Bank Customer Care's response
                        Hi, we are here to help! Please DM us your registered contact details and we will get back to you at the earliest. Please note, as part of the resolution process, our executives will never ask you to initiate any financial transaction or download any app or part with confidential account related information. Please refrain from doing so and report such incidents immediately. Regards, Team Axis Bank.
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                          Kanchanchan
                          from Delhi, Delhi
                          Sep 11, 2019
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                          Address: Faridabad, Haryana, 121005

                          Dear Sir / Madam

                          Please find the attached file of my account closing application. I want to inform you that Shri Bala ji Fabricators in Sector 21c, Faridabad has an account in the name of Shri Bala ji fabricators. I went to your bank many times to get the account closed. There Sarika Kalra Senior Manager's talking with i am not satisfied. I have been very bad my shop is closed . I have been in loss of millions of rupees. Now I do not have money to run a bank account, so I want to close my account. If no work is done on your behalf, the bank itself will be responsible, because, We have tried everything from our side but not we got success only from the bank's side.

                          Dear sir/medam
                          Branch Manager (Axis bank)
                          Sector-21 C huda faridabad
                          121003(HR)
                          Subject:- Regarding account closure.
                          Sir,
                          I am humble request is that I have my current account in the name of shri Bala ji fabricators in your bank, it has been going on for some months. Whose proprietor is Kanchan Kumari. I want to close my account due to any reason. My account number is [protected] and my ATM number is [protected].My mobil number is [protected].
                          Therefore, I requested to close my account and return my outstanding amount to me. Any plan that is running in my account should also be stoped. I will be forever grateful to you for this.

                          Your confidant
                          Name:- Kanchan Kumari
                          A\c No:-[protected]
                          Mobile No:-[protected]

                          Thank You
                          Axis Bank customer support has been notified about the posted complaint.
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                            Gokul010
                            from Mumbai, Maharashtra
                            Sep 11, 2019
                            Resolved
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                            Address: Khatooshyamji, Sikar, Rajasthan

                            One phone came to me from axis one asist and they have debited my account with rs 1899 without prior otp or intimation

                            Please refund my money in my account no.

                            [protected]

                            This service is totally fraud please refund my money back i am very upset and also in urgent need of money i have to deposit fees of my child school please help me to resolve this problem

                            Date[protected]
                            Oct 14, 2019
                            Complaint marked as Resolved 
                            Axis Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Sep 12, 2019
                            Axis Bank Customer Care's response
                            Hi, we tried reaching you today, however, we were unable to connect as the number was not reachable. Request you to share a preferred time, when we may connect with you and offer the necessary assistance. Regards, Team Axis Bank.
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                              Avadhesh Rajasthani
                              from Noida, Uttar Pradesh
                              Sep 11, 2019
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                              Address: IMT MANESAR GURGAUN 122052, Gurgaon, Haryana, 122052

                              Dear sir
                              My name is avadhesh kumar my mob no.[protected] This and my credit card card no.[protected] This was offered to me free of cost and when I requested to make the credit, I imposed Rs 1500 joining fee and 1500 annual fee, then I refused to pay for the credit card or I stopped it, then my 500–500 was cut in 3 months, then I took the Complain. It was closed, but after 6 months I got a bill of 3500 rupees
                              For a complimentary connection, I get 300 rupees.
                              Sir, I request you to earn 600 rupees a day, pay bills
                              If the common man does this, then he is blown away in front of the media.
                              I didn't do any shopping and nahi only card
                              Axis Bank has done fraud with me
                              So sir, my money will come back chahiye

                              Regards
                              Avadhesh kumar
                              Mob no. [protected]
                              Bank or branch -AXIS BANK
                              imt manesar gurugram hariyana
                              Axis Bank customer support has been notified about the posted complaint.
                              Sep 11, 2019
                              Updated by Avadhesh Rajasthani
                              Axis Bank — harassing me and bank fraud with common man
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                                bhavik7780
                                from Mumbai, Maharashtra
                                Sep 11, 2019
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                                Address: 400034

                                I got calls from axis bank yesterday that my fraudulent case has been approved and i should expect a refund and told me to call customer service senior executive to escalate to fraud team to process my refund fast. So i contacted sandeep kumar singh senior customer executive and he told me that i will get refund today morning on 11/09/2019. But i did not got the refund. They are saying now 5 days. My case is approved and they are delaying payment.
                                Axis Bank customer support has been notified about the posted complaint.
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                                  RAKESH PARIYANI
                                  from Jetpur, Gujarat
                                  Sep 11, 2019
                                  Resolved
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                                  Resolved

                                  On the home page of axisbank their is an ad for clayton watch cost 2499 can be claimed by paying only the shipping charges. Subscribed to this and got an code from axis bank and paid the shipping charges (499 inr) on 31.05.2019 but the product is not yet delivered till now. Called the axis bank no proper response, saying it is a merchant issue.
                                  Called the flatworld rewards, it is always switched off. Emailed but response. Looks like this a scam and i see one more member affected.

                                  [order #9480] (May 31, 2019)
                                  Product quantity price
                                  Clayton noble silver metal watch
                                  Male
                                  1 ₹2, 499.00
                                  Subtotal: ₹2, 499.00
                                  Discount: -₹2, 499.00
                                  Shipping:
                                  ₹499.00 via flat
                                  Rate
                                  Payment method: axis netbanking
                                  Total: ₹499.00

                                  Complainant details
                                  Rakesh pariyani
                                  Email address is
                                  [protected]@gmail.com
                                  Oct 13, 2019
                                  Complaint marked as Resolved 
                                  Axis Bank customer support has been notified about the posted complaint.
                                  Verified Support
                                  Sep 11, 2019
                                  Axis Bank Customer Care's response
                                  Hi, we regret the inconvenience caused. Please DM us your registered contact details and we will get back at the earliest.
                                  Also please note, as part of the resolution process, our executives will never ask you to initiate any financial transaction or download any app or part with confidential account related information. Please refrain from doing so and report such incidents immediately. Regards, Team Axis Bank.
                                  Dear Customer,

                                  Your order has been dispatched and delivered.

                                  Dispatch details are
                                  m[protected]
                                  DTDC Courier.

                                  regards
                                  Flatworld Rewards
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                                    santansou
                                    from Bhopal, Madhya Pradesh
                                    Sep 11, 2019
                                    Resolved
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                                    Resolved

                                    Address: 10 Nehalia, 742123

                                    Hi,
                                    I had fradulent transactions happened on my axis bank account without my concern or otp as below

                                    A/c no. - _248

                                    Transactions

                                    1) 09/09/2019.
                                    Ecom pur/google * garen/g.co/helppay #/090
                                    Amount - 80.00

                                    2) 09/09/2019
                                    Ecom pur/google * garen/g.co/helppay #/090
                                    Amount - 80.00

                                    3) 09/09/2019
                                    Ecom pur/google * garen/g.co/helppay #/090
                                    Amount - 80.00

                                    4) 10/09/2019
                                    Ecom pur/google * garen/g.co/helppay #/100
                                    Amount - 250.00

                                    5) 10/09/2019
                                    Ecom pur/google * garen/g.co/helppay #/100
                                    Amount - 400.00
                                    Oct 14, 2019
                                    Complaint marked as Resolved 
                                    Axis Bank customer support has been notified about the posted complaint.
                                    Verified Support
                                    Sep 11, 2019
                                    Axis Bank Customer Care's response
                                    Hi, we are here to help! Please DM us your registered contact details and we will revert shortly. Regards, Team Axis Bank.
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                                      Shahid Siddique
                                      from Mumbai, Maharashtra
                                      Sep 10, 2019
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                                      Address: Mumbai City, Maharashtra

                                      Hi,

                                      I raised a concern on 13th August about misbehavior of an Axis employee, Assistant Manager at Axis bank, Shanti Park branch, Mira Road. I was late by 5 mins and wanted to rush to inquire about a cheque related issue which was kind a urgent for me. When I started asking her, she had so much courtesy o[censored]sing words like below.

                                      "1. I did a favor by allowing you getting in the bank."
                                      "2. Even if it is 5 mins late, I do not give assistance."
                                      "3. When I am talking, fully ignoring and not addressing to the issue I am discussing. "
                                      "4. Instead of query resolving was directing towards customer call center. Extremely rude behavior.
                                      "5. Asked me to come back tomorrow before the time and even if it is 5 mins before will help, else will ask to come back again. "
                                      "6. When I mentioned that I will put this on social media, she was so upfront that go an put where ever you want to."

                                      I am really surprised with this face of Axis bank. I am holding this account since, September 2015, and trust me, I have now decided to discontinue my account with Axis. Not only mine, but I hold 5 more accounts at Axis.

                                      I am annoyed with this event and now have decided to discontinue all the 6 accounts existing with Axis and with the core reason of this is the abrupt behavior from an "Assistant Manager".

                                      Surprisingly, if an AM is like this, I can just imagine, how the ground level employees would be and how they would treat people from lower segments. "I am now putting this event on social media platforms on a serious note as till date I haven't received any update that any action has been taken on my case. Despite I raised a complain at customer care and informed everything in detail".

                                      Thank you Axis for not assisting and mastering rude behavior towards customers. This is showcase the true face of Axis employees towards customers.

                                      Regards,
                                      Shahid
                                      Axis Bank customer support has been notified about the posted complaint.
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                                        Rajendra kr mondal
                                        from Delhi, Delhi
                                        Sep 10, 2019
                                        Resolved
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                                        Resolved

                                        Address: Karaidanga, Kolkata, West Bengal, 743502

                                        I want to settlement my card, so please need a help, last 1 years axis bank getting minimum payment charges from me again and again but didn't in form me every day i got call for loan, emi etc but they don't call to customers for full payment so i need a solution so please do the need full asap. I allready mailed called but failed so please help me the procesd
                                        Oct 14, 2019
                                        Complaint marked as Resolved 
                                        Axis Bank customer support has been notified about the posted complaint.
                                        Sep 10, 2019
                                        Updated by Rajendra kr mondal
                                        Please hrlp
                                        Verified Support
                                        Sep 10, 2019
                                        Axis Bank Customer Care's response
                                        Hi, we are here to help! Please provide us with your registered contact number through a DM and we will get back at the earliest.
                                        Also please note, as part of the resolution process, our executives will never ask you to initiate any financial transaction or download any app or part with confidential account-related information. Please refrain from doing so and report such incidents immediately. Regards, Team Axis Bank.
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