Home / Current Issue / Paper 1709069
Study of Cash Management in Banking Sector in India
Subject area: Management and Commerce · Area of research: Cash Management in Indian Banking
Abstract
This study explores cash management practices in Indian banks amid a rising shift toward digital banking. By surveying 123 customers across public and private banks in urban and semi-urban areas, the research analyzes ATM usage, satisfaction levels, and digital payment preferences. Findings reveal strong digital adoption among youth, consistent reliance on cash services, and similar satisfaction across bank types. The study recommends a hybrid banking model combining physical infrastructure with digital innovation to meet evolving customer needs efficiently and inclusively.
References
[1] RBI Reports and Publications on Cash Management and Digital Banking Trends in India.
[2] Annual Reports of Public and Private Sector Banks (SBI, HDFC, ICICI, etc.).
[3] Khan, M.Y., & Jain, P.K. (2018). Financial Management. Tata McGraw-Hill.
[4] Vasant Desai (2016). Banks and Institutional Management. Himalaya Publishing House.
[5] Research articles from journals like The Indian Journal of Finance and International Journal of Banking and Finance.
[6] Data from NPCI on UPI and digital payments.
[7] Government of India initiatives: Digital India, Jan Dhan Yojana, and financial inclusion schemes.
How to cite this paper
@article{1709069,
author = {Abhay Pratap Singh Chauhan},
title = {Study of Cash Management in Banking Sector in India},
journal = {Iconic Research And Engineering Journals},
year = {2025},
volume = {8},
number = {11},
pages = {2321-2329},
issn = {2456-8880},
url = {https://www.irejournals.com/formatedpaper/1709069.pdf},
abstract = {This study explores cash management practices in Indian banks amid a rising shift toward digital banking. By surveying 123 customers across public and private banks in urban and semi-urban areas, the research analyzes ATM usage, satisfaction levels, and digital payment preferences. Findings reveal strong digital adoption among youth, consistent reliance on cash services, and similar satisfaction across bank types. The study recommends a hybrid banking model combining physical infrastructure with digital innovation to meet evolving customer needs efficiently and inclusively.},
month = {May},
}