AXIS BANK INFORMATION URGENT

AXIS BANK INFORMATION URGENT

99°
Desidsime
Deal Subedar
6
2181
46

i am not maintain the minimum balance of 10k in my axis bank saving account.
so i withdraw my all money by upi.
now they charged me negative 590 balance.
i am also not closed the account.
so plase hel me . i dont want this shitty account.
plz give suggestion how to get rid of it

20 Comments  |  
12 Dimers
Missing
Deal Cadet
101
378
7

Don’t use the account, it will die in 2-3 years, it will go dormant. You don’t have to use or pay for the account. But remember you won’t be able to use axis account again, if you do want to, you will need to pay those fees then.

Funny1
Deal Lieutenant
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3524
162

Thats ok. Just leave this account. You cant use axis savings account again. Thats all

Missing
Deal Newbie
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85
2
jitz wrote:

You cant use axis savings account again.

Is it like he will be banned from Axis bank permanently or can he open new savings account?

08cc9b8651029328d49309fe1b0cb774
Deal Subedar
7
2016
42
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Guy_Next_Door wrote:

Is it like he will be banned from Axis bank permanently or can he open new savings account?

blacklisted in axis network !!
better to pay dues and close..

Missing
Deal Cadet
50
163
4
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Guy_Next_Door wrote:

Is it like he will be banned from Axis bank permanently or can he open new savings account?

He’ll have to close dormant accounts(pay the dues) & then open a new acc.

Img 20190728 110145
Deal Subedar
150
2166
26

According to RBI, Bank can not do minus balance for non maintenance of minimum average balance. You should search it from RBI website & show it to bank. Ask them to close account without taking any charges. Bank can not charge after account balance is 0.

Missing
Deal Newbie
108
46
1

I have also axis bank account and they compels to maintain Minimum average balance. I have downloaded the form to close the account.

Funny cute animated pug gif 22
Deal Subedar
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1166
25

Once I Had Low Balance In Kotak. Then I Called Them And Informed About The Same They Quickly Raised A Ticket And Refund The Money And Asked Me To Maintain Balance Further.

Img 20171102 024724 967
Deal Cadet
72
232
7

Transfer the account to your enemy.
Just add nominee as your enemy or xhirlfreind name.
After you die they will have to settle

Desidsime
Deal Subedar
6
2181
46
kirandr221996 wrote:

Transfer the account to your enemy.
Just add nominee as your enemy or xhirlfreind name.
After you die they will have to settle

Good suggestion

Untitled 1
Deal Lieutenant
473
3465
90
_One_Miller_ wrote:

According to RBI, Bank can not do minus balance for non maintenance of minimum average balance. You should search it from RBI website & show it to bank. Ask them to close account without taking any charges. Bank can not charge after account balance is 0.

I think that guideline is for dormant accounts. Banks can charge an account in negative for active accounts.

Untitled 1
Deal Lieutenant
473
3465
90

Just pay the fee and remember to maintain the minimum balance. It’s not like they charged you unnecessarily. It was your mistake and you should accept it. These things happen. Not a big deal. But make sure you learn from your mistakes.

I also got charged 800 rs per month in my ICICI account for nearly an year for not maintaining minimum balance. But I did it intentionally. I was in a rough spot and I needed the money.

Img 20190728 110145
Deal Subedar
150
2166
26
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Roushh wrote:

I think that guideline is for dormant accounts. Banks can charge an account in negative for active accounts.

Dormant account hoga tabhi to balance minus hua hoga.

Untitled 1
Deal Lieutenant
473
3465
90
Expand
_One_Miller_ wrote:

Dormant account hoga tabhi to balance minus hua hoga.

lol. Not at all. Both are different things.

Account becomes dormant when we don’t use it for 12-24 months. I think the time period is different for each back. Just because an account has 0 balance, doesn’t make it dormant. laughing

Missing
Deal Cadet
50
163
4
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Roushh wrote:

lol. Not at all. Both are different things.

Account becomes dormant when we don’t use it for 12-24 months. I think the time period is different for each back. Just because an account has 0 balance, doesn’t make it dormant. laughing

Zero or minus?

Untitled 1
Deal Lieutenant
473
3465
90
Expand
arunrush680 wrote:

Zero or minus?

He has left no balance in that account that’s why they charged him. And those charges made his account balance negative. Read the post mate.

Missing
Deal Cadet
50
163
4
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Roushh wrote:

He has left no balance in that account that’s why they charged him. And those charges made his account balance negative. Read the post mate.

I understood but I’ve noticed it doesn’t show negative balance when the acc is active, deposit some money they’ll deduct the arrears. But it clearly shows the negative balance when it’s dormant.

Img 20180811 173854
Deal Lieutenant
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3958
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_One_Miller_ wrote:

According to RBI, Bank can not do minus balance for non maintenance of minimum average balance. You should search it from RBI website & show it to bank. Ask them to close account without taking any charges. Bank can not charge after account balance is 0.

will they freaking listen??

Img 20190728 110145
Deal Subedar
150
2166
26
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rini50 wrote:

will they freaking listen??

Firstly You have to convince them by showing proof.

Missing