Axis Bank — Business account

Address: Selaiyur Madambakkam Chennai

We are a registered msme working from chennai and have held an account in axis bank since inception in 2012.
As a business occasionally we have need for credit/od/bill discounting, vehicle loans, credit/debit cards for ease of operations in our company.
Recently the hon'ble fm has also announced a slew of measures to improve liquidity in a cash starved market to keep things running and economy sustained.
Every time we have a discussion with axis bank we come out frustrated, dealing with a stone wall, with processes that belong in the early years of banking without computerisation with problems such as branch closed today, this transaction cannot be done on line, you have to come to chennai to sign this document, due to shareholding pattern no credit/loan/bill discounting and other services can be availed and so on. These do not reflect the reality of any bank services anywhere in the world and don't seem to convey the country's readiness to embrace small business or provide risk assessed credit and loan facility.
Can we expect any improvement anytime soon or do we just accept that all facilities are only meant for the well heeled and connected people who can pull strings and runaway, but for ordinary people service is an optional extra?
At this moment my office staff is chasing a bank guarantee for executing an order, and we have explained the problems faced by directors unable to travel to physically make themselves present at the banks beck and call to complete paperwork. The manager has been just delaying the matter saying it has to be processed in hyderabad, and the two offices will never have a common communication time. So do we just sit back and lose our orders?