• Mr. Pagadala Srinivas
• Prof.Rajender KatlA

This paper presents a comprehensive review of the integration and impact of Artificial Intelligence (AI) in the Indian banking sector. With the growing demand for automation, real-time decision-making, fraud detection, and personalized customer engagement, AI technologies such as machine learning, natural language processing and robotic process automation are redefining banking operations in India. The study explores the evolution of AI adoption across public and private sector banks, highlighting key applications in credit assessment, customer service, and financial inclusion. Drawing insights from recent literature, industry reports, and government initiatives, the paper identifies the strategic benefits of AI while also addressing challenges such as data privacy and skill gaps. The analysis underscores the disparities in AI adoption between public and private banks and calls for enhanced collaboration among stakeholders to ensure ethical, inclusive, and sustainable AI deployment. This review contributes to the understanding of digital transformation in financial services and provides practical recommendations for banks and policymakers in navigating the future of AI-enabled banking in India.

Artificial Intelligence, Indian banking, machine learning, customer experience, digital transformation.

"THE IMPACT OF ARTIFICIAL INTELLIGENCE (AI) ON INDIAN BANKING:A COMPREHENSIVE REVIEW", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 8, page no.75-82, August-2025, Available :http://www.jetir.org/papers/JETIRHC06009.pdf

"THE IMPACT OF ARTIFICIAL INTELLIGENCE (AI) ON INDIAN BANKING:A COMPREHENSIVE REVIEW", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 8, page no. pp75-82, August-2025, Available at : http://www.jetir.org/papers/JETIRHC06009.pdf