A Cosmos Freeze is a type of restriction placed on your Axis Bank account (savings or current). It means that you cannot withdraw money, transfer funds, or use debit/cheque facilities until the freeze is removed.
Axis Bank (like other banks) uses “Cosmos” as an internal system to mark regulatory or operational restrictions. A Cosmos Freeze usually happens when:
- KYC not updated – If your PAN, Aadhaar, or other KYC documents are not submitted or are outdated.
- Account dormant/inactive – If you haven’t used the account for more than 2 years.
- Regulatory order – From Income Tax Department, Court, or any Government Authority.
- Insufficient/negative balance – In some cases, if charges remain unpaid.
- Suspicious transactions – If unusual or high-value transactions are noticed.
- Lien/hold due to loans/EMI default – If you have dues in loans or credit cards.
🔹 How to Remove Cosmos Freeze in Axis Bank?
The removal process depends on the reason for freezing:
- If KYC is Pending/Outdated:
Visit your nearest Axis Bank branch.
Carry Aadhaar, PAN, and photo ID.
Submit the KYC update form.
The freeze is usually removed within 24–48 hours.
- If Account is Dormant:
Reactivate by submitting a written request at the branch.
Do a small transaction (deposit/withdrawal).
Bank will unfreeze the account in 1–3 working days.
- If Regulatory Freeze (Tax/Court/Notice):
Contact the branch to know the authority that placed the freeze.
Resolve the issue with that authority (e.g., clear tax dues).
Bank will lift the freeze only after receiving clearance.
- If Due to Loan/Credit Card Default:
Clear the outstanding dues.
Provide payment proof to the bank.
Request for unfreeze.
- If Suspicious Transactions Triggered It:
Bank may ask for income proof, transaction explanation, or invoices.
Submit required documents.
Bank will review and unfreeze after verification.
🔹 Quick Steps for You
- Call Axis Bank Customer Care (1860-419-5555 / 1860-500-5555) and ask the exact reason for Cosmos Freeze.
- Visit the home branch with ID proof and request the removal.
- Complete required formalities (KYC update, dues clearance, or authority letter).
- Get written confirmation from the bank about unfreeze.
✅ Tip: If your account is frequently getting frozen due to non-KYC updates, link Aadhaar & PAN properly and ensure regular small transactions to keep it active.
