ABSTRACT
In modern days banking sector is the one of pillars of the financial system; a deal with the customer's banking transaction is a huge process of maintaining hectic records due to globalization, technological improvement, and innovation, the E-channels spread worldwide and increased efficiency of banks by enabling them to deliver the bank services. Use of this bank without a branch network that offers the services in online banking, telephone
banking, ATM, and interbank network alliances like mail and mobile banking. The proposed paper attempts to highlight the awareness and requirements of customers who use the services through direct banking facilities in HDFC.