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Axis Bank Complaints & Reviews

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Updated: Sep 1, 2025
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Axis Bank reviews & complaints page 601

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A
anupamthakur
from Chennai, Tamil Nadu
Sep 17, 2011
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My AXIS BANK salary account no. is [protected] at Salt Lake, Sector V branch, Kolkata - 700091.
I have been using this account since 2007 without any bad services.

Recently, I WAS SHOCKED TO EXPERIENCE UNEXPECTED behavior and service from AXIS BANK.

My documents are NOT recently being delivered at my communication address. I complained many times to the customer care but whenever I call them after 4-5 days, they say the complaint is under process. None of my complaints were being action-ed as it seemed to me.

Unfortunately I had to go to the branch and collect the documents in person.

When I complaint to the Branch Head/Operations Head, they also did not take any action. I complained that there may be some problem with the courier company but they said that they have tie-up with big courier company and cannot make any mistake. So it gave me the impression that for AXIS BANK customers are NOT so important and the service that they used to provide earlier is now degrading.

Recently I requested for New Debit Card & New Cheque Book both of which I had to collect from branch after a great harassment from Customer Care as well as the branch officials - for around 1 and 1/2 months.

Also, none of the emails I sent were replied in a proper time with a proper resolution, instead I had to follow-up with the customer care lodging complaints and complaints and so on........

So, this meant that whatever you want to do for your account at AXIS BANK, you have to go to the branch and the use of Internet Banking is USELESS. Because whatever communication you do through internet banking is not replied by AXIS BANK.

AS A RESULT,
I AM PLANNING TO SHIFT MY SALARY ACCOUNT FROM AXIS BANK IN FEW MONTHS BECAUSE THE INSULT AND HUMILIATION DONE BY THE AXIS BANK OFFICIALS TO A CUSTOMER LIKE ME WHO CONSTANTLY FOLLOWED-UP FOR PROBLEMS BUT DID NOT GET ANY PROPER RESOLUTION FROM AXIS BANK......
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    kanika.sareen
    from Kolkata, West Bengal
    Sep 16, 2011
    Resolved
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    Resolved

    Relieving Letter

    Address: Delhi

    I have worked with Axis Bank for 2 yrs & resigned from the bank last year in Aug'10. Since then I'm following up with them for my Relieving Letter. I was not able to serve the mandatory notice period of 30days as i got a govt job. They had already recovered the penalty & dues for the same & settled my PF also. But they are not ready to give my relieving letter as according to them I'm not eligible for the same.br...
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    A
    ATANU BHATTACHARJEE
    from Delhi, Delhi
    Sep 15, 2011
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    Address: North 24 Parganas, West Bengal

    DEAR SIR,

    AS PER SALTLAKE PF OFFICE MY PF CHEQUE IS APPROVED FOR PAYMENT, BUT TILL NOW ITS NOT CREDITED TO MY ACCOUNT.

    I AM HOLDING ACCOUNT IN AXIS BANK SHAKESPEARE SARANI BRANCH.

    PLEASE HELP ME TO GET THE DETAILS.

    PF ACCOUNT NO - WB/34478/630
    REGARDS,
    SOUMITRA CHATTERJEE
    [protected]
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      N
      neelmanitripathi
      from Gurgaon, Haryana
      Sep 14, 2011
      Resolved
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      Dear concern
      i was taken Loan from your Axis bank on 2008 ( Loan account no.[protected]),one year pay through cheques,after one i appied for ECS,fill all paper and submitted to bank,due to not submitted ECS paper to my ICICI bank,ECS not process,
      ECS not process not inform to me,after some time some recovery agent come to my house for collecting money,that time i knew that ECS not process,for all this activity you charge me late payment charge and at time of loan offer condition was return back of 1% amount of loan amount.
      due to mistake from your side recovery person come to my house,you also late payment charge me.
      so i want revert my 150 Rs late payment charge and as per condition return me back 1% of amount.
      and reply me ASAP.
      Regards
      Neelmani Tripathi
      Loan account no.[protected]
      Gretare Noida
      Aug 13, 2020
      Complaint marked as Resolved 
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        P
        pankaj v chaudhari
        from Mumbai, Maharashtra
        Sep 14, 2011
        Resolved
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        Address: Mumbai Suburban, Maharashtra

        I NEED A NOC FROM AXIS BANK FOR MY CAR LOAN NO AUO[protected] AS THE LOAN IS COMPLETED 3 MONTHS AGO I AM TRYING FOR CUSTOMER CARE NO NO BOBODY IS RESPONDING ON SAME BRANCH PEOPLE ARE JUST PASSING ON BUCKS I NEED TO SALE THE CAR. THEY HAVE SUCH A RIDICULOUS SERVICE THAT EVEN THE MAIL SEND TO THEM ARE BOUNCING OR NO RESPONSE FROM THERE SIDE .
        Aug 13, 2020
        Complaint marked as Resolved 
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          T
          taralibania
          from Mumbai, Maharashtra
          Sep 8, 2011
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          Address: Kamrup Metropolitan, Assam

          I m Tarali Bania..i have a savings bank ac with Axis bank.on 29th august 2011 there
          was a card purchase/SHOPDEBTSCOM /[protected]/290811/07 0f 1893 rs,and on 8/9/2011 another transaction was made of rs1422 by card pur/[protected]/080911/14..where as my card is physically with me and i have not done any purchase with my dard. i hv received the both msg from axis bank.it is really very pathetic and rediculous.how safe our hard earn money with Axis bank. i need an expalanation from axis bank and want my money back which i have not spent.

          tarali bania
          silpuhuri.guwahati.ph: [protected]
          Aug 13, 2020
          Complaint marked as Resolved 
          There was a charge of $39.95 USD on my Greendot Visa that I did not make. Upon investigation, I discovered that it was an over-sees charge, which gave the phone # of[protected]. When I submitted this # into the Google search engine, it led me to this site, where there are a number of complaints of fraudulent charges. Seems like I am in the wrong business for making an easy profit. I am currently disputing this transaction with my credit card company. Wish me luck.
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            B
            babusek
            from Hyderabad, Telangana
            Sep 7, 2011
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            Resolved

            Address: Hyderabad, Andhra Pradesh

            HI,
            This is sekhar, on the 6th sep 2011, i went through a debit transaction of amount 7000 from an ICICI bank ATM near hitech city, madhapur , hyderabad through Axis saving account debite card.But the transaction has failed, even i got the failed notification transaction receipt also.But the amount debited from my Axis bank saving account
            here are the details :
            ATM ADD: Balaji Square, Hitech City.
            DATE = 06 - 09 - 2011
            Time = 21:52
            ATM ID : S1AN1202
            Txn no : 7209
            Response code : 072
            %UNABLE to Process.
            please do the needful thing .
            Thanks,
            sekhar
            +91 [protected].
            Aug 13, 2020
            Complaint marked as Resolved 
            Hi,

            We are from ICICI Bank and are sorry to hear about your experience. Please approach your respective bank regarding the discrepancy. We will extend our full co-operation and assistance.

            Regards,
            ICICI Bank Customer Service Team.
            ThankQ, i got the money back from axis. thanks once again for Quick response.
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              S
              shashi kant sharma 2011
              Sep 6, 2011
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              Address: Mumbai City, Maharashtra

              One of Axis bank home loan executive has given the commitment for home loan on Orchid ozone project of DB Reality at Dhaiser hence i have applied for the same. I have been given the pre section letter and taken processing fee Rs 10500.00. It was great shock for me when I went for final disbursement and not one was replying even after so many follow-ups . I have escalated this matter to Vishwanath Kulkarni (head of the loan department) than I came to know Axies back is not considering DB projects for home loan.
              Why I have been issued a sectioned letter once company is not considering DB projects that means Axis back is making wrong commitments to the customers .
              My processing fees is also not given back even after so many reminders.

              Regards
              Shashi Kant Sharma
              [protected]
              Aug 13, 2020
              Complaint marked as Resolved 
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                G
                GYANENDER SINGH
                from Mumbai, Maharashtra
                Sep 5, 2011
                Resolved
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                Address: Gurgaon, Haryana

                Dear sir,

                I am holding Salary Account in Axis BANK Ltd,DLF Galleria Branch,Gurgaon.
                Bank has debited Rs.561 from my Salary Account No ([protected]) on 30.08.11.when i asked bank about charges they replied these are against Cash Deposit transaction charges in Month of July-11.
                1. i am depositing cash in account for last 03 years then why bank has not deducted charges.
                2. If there is any charges for deposting cash in Salary Account then why it's not intimated to us.
                3.I f there is cash deposit charges then why these are not deducted in begining rather in month end.
                e.g in hdfc bank there is strictly prohibited that in salary account no cash can be deposited by in axis bank they have done cash transaction and deducted amount in month end without intimating to us.

                Sir,Please help so that i can get back the debited amount of Rs.561 .


                Thanking You


                Gyanender Singh
                Cell:[protected]
                Axis BAnk S/B A/C no "[protected]"
                DLF Galleria Branch,DLF Phase-4
                Gurgaon (Haryana)
                Aug 13, 2020
                Complaint marked as Resolved 
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                  sanjber
                  from Bengaluru, Karnataka
                  Sep 4, 2011
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                  Address: Maharashtra

                  Dear Sir,
                  This is in regard to misuse of credit card that happened online. I received a call from AXIS BANK that seems your credit card is misused . I said Yes ...thy immediately blocked the card.
                  Then after that every month ihave been getting statements with intrest and late payment fees of Rs 400/- that has mad eteh amount of Rs 1340/- misused to 5000/- approx....When i called up i was told to submit a dispute form which i did . Now they are saying that it wil take 120 days to solve this. Till then they are charging Rs 400/- late charges and intrest.
                  I have never ever defaulted on my payments with any bank and this case has spoiled my records in CIBIL. In frustration i paid 1345/- the amount that has beeen misused to be refunded when its solved . But The bank is not ready to solve this. Theyse can atleast reverse late payment charges and reverse intrest charged so that my record in CIBIL is not screwed. The bank is not co-opearting and not ready to solve this.
                  Can i case against the bank for loss of repuatation and mental haaraasement. morever my record in CIBIL has been spoiled for no fault of mine. How do i resurrect my records with CIBIL?
                  rgds
                  SANJAY BERI
                  [protected]
                  Credit card no.s[protected]
                  Aug 13, 2020
                  Complaint marked as Resolved 
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                    R
                    Raju Chhetri
                    from Vapi, Gujarat
                    Aug 28, 2011
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                    Address: West Bengal

                    I AM USING CREDIT CARD OF AXIS BANK SINCE 2008, I HAVE GIVEN MULTIPLE REQUEST TO BANK EXECUTIVES OVER TOLL FREE NUMBER TO CHANGE MY CREDIT CARD BILLING ADDRESS BUT IT IS NOT CHANGES.

                    I HAVE BEEN CHASING BANK FOR THE LAST 4 MONTHS AND THERE IS NO POSITIVE OUTCOME. IT SEEMS THAT BANK ID TURNING DEAF TOWARDS MY REQUEST.

                    THIS IS THE KIND OF SERVICE THEY ARE PROVIDING TO THEIR CUSTOMER.

                    GOD SAVE US..

                    MY CARD NUMBER IS 4718 6101 XXXX 4380.

                    E-MAIL: r.[protected]@mdindia.com
                    Aug 13, 2020
                    Complaint marked as Resolved 
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                      M
                      mani0260
                      Aug 24, 2011
                      Resolved
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                      dear sir
                      i have NRO account with axis bank trichy branch tamil nadu and PSI account with mumbai port .my customer id is[protected]. i am trying to register for net secure last one month i am trying for this internet banking facility. but always coming errore page. without net secure web pin not possible to transfer funds and any online payments. on 29 th july i informed this matter to the bank customer support,nricell,abudhabi ref office, and ibrm, thro e mails.i received advice from technical teem .i try that way but i am having same problem. they told to sent that step by step web page, i also send that all pages what i received that time of registration process.after that i send so many times e mails for everybody but i received only acknowledge ment mail after that no action was taken from bank side. there are detecting all of there charges time to time, but not giving even minimun service.only this bank is very worst service in the banking sector . i also asked for account closing procedure for closing my account .morethen one week not received any reply from anybody they are not respecting customers services.


                      p.thillaimani

                      abudhabi/uae

                      customer id[protected]

                      mob : [protected]
                      Aug 13, 2020
                      Complaint marked as Resolved 

                      Axis Bank Internet Banking — Netsecure registration

                      Dear Sirs,
                      Kindly help me to register for netsecure as I was unable to register online inspite of my best efforts. Needless to say I have an active internet banking account.
                      Thanking you,
                      Yours faithfully,
                      Dr.Ashok Das
                      M[protected]
                      Chandan kumar
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                        R
                        roy.madhushree
                        from Chandigarh, Chandigarh
                        Aug 23, 2011
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                        Address: Maharashtra

                        My axis bank debit card expired on the 31st of July. Today it is the 23rd of August and I a yet to receive the new debit card. I have called the customer care 5 times by now. My last 2 complaint numbers are: 5417261 and 5402672. Apparently they are high priority compaints and have mentioned a call back from the branch. I am yet to receivve any call back from any branch what so ever. every time, every customer care agent says the same thing ' you will receive a call back from the banch, you will receive your card in 4 days, i understand your problem'. However, the problem remains unresolved and I am the sufferer since it is my only account where I receive my salary. I am having to borrow money from others and spend since I cannot withdraw it. My cheque book hasalso finished and I had sent a request for new cheque book from internet banking, but never received the cheque book as well.

                        This is simply propesterous and I will probably have only one solution , that is to close the account, in case I do not receive any sort of call from them immediately. I cannot think of any other way. May be I should cal the newspapers and tell them, since they are always eager to help citizens.

                        My name is Madhushree Basu Roy.
                        Aug 13, 2020
                        Complaint marked as Resolved 
                        My AXIS Bank debit card no. [protected] has expired on 31.12.2009. Till today I have not received the replcement card. In this Connection, on 01.1.2010 , I personally met Md F.A.Mansur, Executive Operations, Axis Bank, at his Office at Kolkata Main Branch and appraised him the problem. He had assured me that he would intimate me the status either at my cell no. or at my e mail. But, even after expiry of five days, I have not received any informations in this regard. If this is the attitude of Branch Officials, then how customer can get a better service?
                        MY NAME IS RAJESH ACHARYA HAVING SALARY SAVING ACCOUNT NO. [protected] IN VASHI BRANCH AND RESIDING IN AMBERNATH.I HAVE STILL NOT RECEIVED MY DEBIT CARD FOR WHICH I HAVE COMPLAINED ON 27TH DEC 2010,BUT I RECEIVED THE PASSWORD FOR IT ON 4TH JAN 2011.I ALSO COMPLAINED TO TOLL FREE NUMBER AND THEY GAVE REQUEST NO. 4678920.I TELEPHONED MANY TIMES BUT STILL DATE I HAVE NOT GOT ANY VALID REASON FOR NOT RECIVING THE CARD.SO PLEASE REVERT URGENTLY.
                        hi madhu sree u dont have the facility of sending money through the internet banking .
                        i think u have .u r requesting cheque book through net.i[censored] have fund transfer facility now u can send ur money to ur friends account solve problem temporarly
                        which is what I have done...however, it is irritating to ask friends everytime to withdraw the money and give. It is a huge inconvenience.
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                          mrbullish
                          from Gurgaon, Haryana
                          Aug 20, 2011
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                          Resolved

                          Address: North West Delhi, Delhi

                          We have a Current account at Axis Bank, Lok Vihar and I was astonished to see some unauthorized withdrawl of Rs 2,499/- from my account on 2nd March, 2011. When I checked, I found out that this was against a chq of Rs 999/- issued to Yes Bank for installation of a new credit card machine at our premises.
                          When I called the person who had collected cheque from us, the phone no. was found to be De-activated. I immediately brought this to the notice of my bank branch authorities. One of their personnel, Mr Ritesh confirmed this to me by evening that the chq issued by me was encashed at Axis Bank, lajpat nagar on 1st day itself and the scanned copy showed that 'a chemical' had been used to erase the beneficiary name and the amount too. They claimed that they had put the bank account of fraud under lien and assued me that my money would be returned to me within a week. They also advised me to close my current account and open a new onw which I did.
                          But these were just 'delaying tactics' from bank. I don't know what they are doing if they can't check for such major changes on cheque. They are only postponing things and I want return of my money as well action against fraudster.
                          Aug 13, 2020
                          Complaint marked as Resolved 
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                            ReetuRaj2011
                            from Basi, Punjab
                            Aug 16, 2011
                            Resolved
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                            Address: Ghaziabad, Uttar Pradesh

                            I have been asking Axis Bank people to change update my mobile number for NETSECURE. It has been 30 days,... talking to their customer care ... changing it on ATM... even went to bank to submit paper form with updated mobile number ! But still they have not been able to change it ! This is ridiculous !
                            THEY really SUCK
                            Aug 13, 2020
                            Complaint marked as Resolved 
                            unfortunately this problem has happened with me too...ATM shows a different mobile number and netbanking has a different number...i am really frustrated...
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                              akhil85
                              from Raipur, Chhattisgarh
                              Aug 12, 2011
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                              Address: Delhi

                              Dear Sir

                              I have a Savings A/c ([protected]) in Axis Bank, Saket Branch.
                              I gave 3nos of Account payee Cheques (no. 157541, 157542, 157543) to a person called Mr. Arif for LOAN Purpose. Later on when i tried to withdraw money from the Account i found there was Withdrawal of Rs. 5000/- by Cheque No. 157542 on 07/04/2011 from Axis Bank in Yamuna Vihar branch.

                              I want to know that the cheques given by me were a/c payee cheques then how can anybody withdraw money by writing SELF on the cheque.

                              kendly help recovering my Money.
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                                rajith79
                                from Mumbai, Maharashtra
                                Aug 11, 2011
                                Resolved
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                                Address: Bangalore, Karnataka

                                Dear Customers,

                                I am banking with Axis Bank Ltd From past 14months,with 2 Lakhs average quarterly balance.
                                Whenever i tried to login to my account ,i used to get an error message." LOGIN ERROR,TRY AFTER SOME TIME".After repeated mails and calls regarding the same,i got no positive reply.

                                Finally i opened my fresh a/c with HDFC bank ( Kengeri satellite town branch) and am very happy to do my transactions with the new bank.

                                So i kindly request new customers,not to go with Axis Bank and not to get fooled with the false promise what they give.
                                Thanks

                                Rajith
                                [protected]
                                Sep 23, 2018
                                Complaint marked as Resolved 
                                Verified Support
                                Aug 23, 2018
                                Axis Bank Customer Care's response
                                Hi, we are sorry to hear that. Please share your registered contact details and we will get back soon. Regards, Team Axis Bank.
                                Verified Support
                                Aug 23, 2018
                                Axis Bank Customer Care's response
                                Hi, we are here to help. Please DM the screenshot of the error for us to assist you. Sorry for the trouble. Regards, Team Axis Bank.
                                Hello
                                I am running my saving a/c with Sec-18 Noida branch and my customer id is[protected].
                                My Internet banking service has been blocked from last one months I sent 100 email 1000 phone calls (ISD) Till no update--I am not able to visit branch otherwise********** because i am out of India
                                I never seen such worst bank and there worst quality of service please don't open your a/c with such worst bank.
                                I have applied for the online banking before 2 months in the axis bank. But still now i didn't received any kind of notice regarding it, even my id and password. why?
                                Nothing related to my complaint
                                i m varis ali Axis bank savingh account holder my propaer document submit no poroead intarnit bankigh id
                                what a rubbish net banking f axis.
                                within 5 to 10 sec, session timeout?
                                plz improve this this service.otherwise i will close account
                                I have been using Axis bank since how many years I forgot. Along with Axis bank I have HDFC, Kotak and ICICI. Only Axis bank internet logging in is a problem. They do not resolve the issue at all. After much of trying I could connect to a customer service lady who said, you should try after some time. I tried after some time... and after few days also. But it shows the same error. What a rubbish internet service...
                                Dear sir, yr service is not at all good, i am trying to contact on customer care nobody is help, i unable to connect internet banking, it is not showing any message, i am going to close my saving & direct trading account soon.
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                                  S
                                  sunfl78
                                  Aug 10, 2011
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                                  Address: Hyderabad, Andhra Pradesh

                                  Hi,
                                  I have an account of Axis bank. and account number A/C : [protected].

                                  Please check and revert for the charges debited on 19/05/2011 for the below mentioned

                                  [protected] DrCard Upfront Ann Chg [protected] - 166.00
                                  [protected] DrCard Upfront Ann Chg [protected] - 276.00
                                  [protected] DrCard Upfront Ann Chg [protected] - 276.00
                                  [protected] Service Tax @10.30% on Charge - 30.68
                                  [protected] Consolidated Charges for A/c - 297.83

                                  One singlebank have credited nearly 1000/- above .

                                  Please help on this and please revert to my mail ID: [protected]@gmail.com if any clarification.

                                  Regards,

                                  Kishore
                                  In axis bank they charge rs 850, without information, if we asked they said, u have to maintain rs 10000/-

                                  in time of opening savings a/c they told zero balance account, after that they charged, just informed to all

                                  do not open account wiyh axis bank.they cheated me, so that is my advise
                                  Yes fully agree to the comments. Axis bank people are big cheats. Please do not open any account in that bank.
                                  Hi,

                                  Any upodates on this??

                                  Regards,
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                                    Complainant47819
                                    from Bengaluru, Karnataka
                                    Aug 9, 2011
                                    Resolved
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                                    Resolved

                                    This is in relation to one of the Axis Bank Power Home Loans that I have applied for a Site that I have picked up from the Builders (Galaxy Projects - Rajalakshmi Builders), Bangalore, Karnataka
                                    Axis Bank is affiliated to provide loans for this property, all seemed well until the process of the loan (with as usual issues with documents requirement that the bank comes up every day) was carried out by the Bank. But once the loan was sanctioned and the processing fee debited out of my account (Cheque provided at the initial logging of the loan documents), the bank now is wanting 5 blank cheques to disburse the DD amount to the builders, Galaxy - Rajalakshmi builders are supporting the bank as well. The interesting part is not the Bank asking for blank cheques for security but they are denying to provide any written request to obtain so as well as not agreeing to provide an acknowledgment for the blank cheques. Something is really fishy here as usually the banks across promote not to provide any blank cheques to anyone in any form whatsoever. If I inisist to get a written request or acknowledgement the bank is threating that the loan will be rejected. Please help here as this is a malpractice as well as illegal requirement that the bank is trying to posses.

                                    Regards
                                    Aug 13, 2020
                                    Complaint marked as Resolved 
                                    It is natural for the bank to ask for few cheques for their safety ( even though ECS is opted ). But it should not be a blank cheque. Rather it should be in the name of the bank and also, it can be written in the bottom ( in the open space near where you sign ), as "Not more the xxxxx amount " where xxxxx is the principal amount.
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                                      Bhavsar Haresh
                                      from Mumbai, Maharashtra
                                      Aug 8, 2011
                                      Resolved
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                                      Resolved

                                      Address: Ahmedabad, Gujarat

                                      I have taken Home loan from AXIS BANK LTD on Dtd[protected] for 25 years.

                                      I have received Loan statement from the bank showing the Installments period[protected] to[protected]. That means the loan installment has been increased to 52 years. I do not understand how the installment has been increased for 52 year. I have called many places but no one is answering.

                                      My Loan A/c no. is PHR[protected]

                                      Please help me to get the answer from the bank.


                                      Thanks & Regards,
                                      Bhavsar Haresh
                                      Aug 13, 2020
                                      Complaint marked as Resolved 

                                      Axis Bank — HOUSING LOAN TENURE

                                      I HAVE SIGNED AGREEMENT FOR 20 YEARS HOUSING LOAN. BUT I RECEIVED LOAN
                                      STATEMENT (SOA) BALANCE TENURE IS 700 MONTHS (58 YEARS) AND NET PAYABLE
                                      REF. 47 LACS. (ACTUAL LOAN TAKEN 7.96 LAC)


                                      PLEASE HELP ME.
                                      Dear Camituti

                                      i'll recommend you to highlight this issue by reaching to the local newspapers and getting this matter published so that people like you who may not be able to speak or facing the same problem may come up or you can also take the help of Jaago Grahak Jaago sangathan by mailing them or by calling at the toll free no.
                                      When you had took the loan interest rates must be around 8-8.75% but now interest rates have gone upto 10.25%. so either you need to increase the emi amount or bank will increase the loan tenure.

                                      This is quite common and almost every bank does it. Some banks strictly ask customers to increase the emi amount not tenure.

                                      If interest rates will come down then tenure or emi will also come down.
                                      I do understand the your logic. The interest has increased 8.5 to 10.5 that means just 2%. The 2% will effect from 20 year to 52 year? Something is wrong in the calcualtion. Please provide your calculation.
                                      yes its that 2% which is causing all this problem...check this out..put your approx principal, current emi and
                                      interest rate and see the tenure...then try to increase the emi and see the impact on loan tenure...

                                      enjoy the fun :)

                                      http://www.bankbazaar.com/finance-tools/loan-repayment-tenure-calculator.html
                                      I am not enjoing. Kindly send the new calculation details.
                                      Get a new repayment schedule from axis bank.

                                      when you had initially taken the loan, at that time emi design was like that you will pay interest and over it some 2-3K on principal. if you follow this schedule then loan will be over by 25 years.

                                      Now interest has gone up but you are paying the same emi so each month very less money is going to your principal...may be just some 600-700 rs instead of 2-3k causing tenure to rise.

                                      use simple interest calculation principal * interest * time

                                      remember right now loan amount is huge so by changing interest of 1-2% it increase upto 2% per month.

                                      Let me know if you want more

                                      use this..
                                      http://www.loanwala.com/calculators/amortization.html
                                      first put your loan duration as 25 yrs and old interest rate...then put same interest rate
                                      you will see how it automatically change emi to keep tenure same 25 years...
                                      finally generate for 52 years...

                                      let me know if you have more questions...simple solution of current problem is either increase the emi or do a part payment of 50k or 1L.
                                      I would like to go same duration so please let me know the new EMI. Also kindly send required documentation do for the same.
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