I once had my Axis Bank dispute drag on so long it was so exhausting to wait. here’s the answer on how many days they actually need.
How Long Does Axis Bank Take to Resolve a Transaction Dispute?
Axis Bank follows the RBI-mandated clock, but the exact number depends on the type of glitch you report:
- ATM / POS / E-commerce wrong debit : bank tries to close within 5 working days; if it delays beyond that, you get ₹100 per day as automatic compensation until the money is re-credited.
- General card or UPI dispute (unauthorised swipe, goods not received, duplicate charge) : maximum 90 days from the date you lodge the complete form.
- Complex POS/online charge-backs (where the merchant fights back) : network rules allow up to 120 calendar days, but Axis keeps you informed at the 30-day mark if it’s going long.
- Immediate interim credit : for most card disputes, Axis puts the money back in your account on the same day you file, so you don’t feel the pinch while the investigation runs.
Axis Bank Dispute Timeline
| Type of Problem | Normal Closure | Maximum Allowed | Automatic Compensation? |
|---|---|---|---|
| ATM no cash / POS failed | 5 working days | 5 days | ₹100/day delay |
| Card/UPI wrong debit | 45-90 days | 90 days | Interim credit same day |
| Merchant contests charge | 45-90 days | 120 days | Interim credit same day |