Banking sector of India holds paramount significance as it drives innovation, fosters financial stability, and enhances customer experiences. It enables the development of efficient technologies, risk management tools, and regulatory frameworks to address emerging challenges. Through rigorous analysis, it identifies opportunities to expand financial inclusion, boost economic growth, and promote sustainable practices. Moreover, banking research informs policymakers, guiding informed decisions that shape the sector's evolution. By constantly evolving and adapting to the changing landscape, research empowers Indian banks to remain competitive on a global scale and play a pivotal role in supporting the nation's economic progress and prosperity