• Pratiksha Sharma
• Dr. Nishtha Pareek

Indian Banking through a major change in the year of 2014, when following the recommendations of Nachiket More committee differential banking was adopted in the India banking system. This method of differential banking gave way to Payment Banks, Small Finance Banks and Universal Banking. The paper focuses on the study which implies the role of differential banking in the banking sector of India. The data for the study is gathered from the secondary data like journals, websites. The paper talks about the services, benefits, activities and the challenges faced by the differential banks. It is found that in various ways differential banking has the impact on the working of the traditional banks. Whereas Differential Banking is a key value proposition and would be really a game change in Indian Banking System.

Small Finance Banks, Payment Banks, Traditional Banks, financial inclusion, differential banking.

"A Study of Digital Financial Inclusion with Special Reference to Differential Banking in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 7, page no.e225-e232, July-2023, Available :http://www.jetir.org/papers/JETIR2307424.pdf

"A Study of Digital Financial Inclusion with Special Reference to Differential Banking in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 7, page no. ppe225-e232, July-2023, Available at : http://www.jetir.org/papers/JETIR2307424.pdf