please search forum before posting. Indusind has this nature, their IT and Back-end is provided managed and maintained by Baba Aadam Limited. Every 6-10 months and at least once a year they do this drama like their servers have gone Ghajini. you can see swarm of these kind of posts time to time, even some of the times they have charged penalty to some users, which were all reversed when complained. So chill & make sure any one of the criteria is met for NIL maintenance fee. if penalty is charged, just proceed for refund.