Study of Cash Management in Banking Sector in India

Indian banks are in a whirlwind of change—navigating new tech, strict rules, and the country’s sheer size and diversity. Private banks are winning big by embracing tech like AI and real-time dashboards, while public banks are buried in red tape. The RBI is pushing strict cash safety and reporting norms, adding to the load. The research combined data crunching with on-the-ground interviews, revealing that the real challenge is blending tech and regulations to keep cash flowing smartly. It also showed the big gap between public and private banks—tech-savvy vs. paperwork-heavy. Key Insights: · Private banks lead with smart cash-forecasting tools. · Public sector banks lag due to social roles and paperwork overload. · RBI’s rules demand top-notch tracking and security. · Data analytics and AI are game-changers. · COVID highlighted the need for robust digital systems.