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Hi pathar, can you try using a hands free device, like a bluetooth headset or a regular headset and tell me if you have the same issue. If it's working with a hands free device, it's most likely to be a hardware issue so maybe a reset can help. I think it's a speaker issue but I can't know for sure. Let us know if you find anything and god luck!
If it's the update the caused the issue, you may want to try restoring the device. There's instructions here: http://www.androidpit.com/en/android/forum/thread/565117/Samsung-Galaxy-S4-Factory-Reset-your-Samsun...
after using earbud. i have then made another call
using the headphone and unplug the headphone
during the call.then finish the call with headphone