With the growing expectations of the customers, banks are providing diverse services, combining innovation, quality, personal touch and flexibility in delivery. Now banks are moving to Tech banking which is easy to use, less time consuming and help in reduction in processing cost.

The consumer segment and their behavior trend are very critical for banks to decide which product, service or branch they should start. In India public sector banks capture more than 50% of Indian banking sector revenue but individually SBI bank holds maximum revenue in Indian in comparison to other banks in India. India is big and diverse country to meet the banking requirement of each and every individual in Indian the banking sector has develop a robust distribution network comprise of 74,112 bank branches and 63,543 ATMs.

The penetration level of banks is highest in south India and the penetration level is lowest in North East state. Indian banking sector is facing several challenges but at the same time they are also enjoying country advantage and have plenty of opportunity like implementation models such as Bancassurance.

To find out the new avenues a survey was conducted among 200 users of banking services. The users comprised of people who were students, employed, unemployed, retired and Housewives. The survey has been done to understand the consumer perspective on Indian banking sector and what opportunities lies ahead for the banking sector.
 

Executive Summary
Introduction
Role of Banking
Market structure and segmentation
Type of product and services
Usage segment
Usage behaviour trend
Market Share
Distribution Network
Key players
Bank role in financial inclusion
Competition situation
Key Drivers
Key Challenges / Barriers
Key Opportunity
Country Advantage
Regulatory Advantage & legal frameworks
SWOT Analysis
PEST Analysis
Analysis of consumer perspective on Indian banks
Suggestion
Bibliography
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