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The Indian banking industry has undergone radical changes due to liberalization and globalization measures undertaken since 1991. Today, Indian banking industry is one of the largest in the world. There has been a great surge in efficient customer services. A highly satisfied and delighted customer is a very vital non-financial asset for the banks in the emerging IT era. The service after working hours, transaction time, e-channels, accuracy & speed are like a crown factors for a bank. Based on the responses of 1200 customers of public sector bank, Indian private sector bank & Foreign bank (each one from these groups) operating in Amritsar district of Punjab have been taken into consideration. It may be inferred that there is significant difference among three bank groups with customer perceptions. The e-banks are more efficient in regard to time factor. This is the very important factor of shifting of potential customers in e-banks. The survey was conducted in Amritsar district of Punjab in the month of October 2019. Chi-Square test is used to check the level of significance difference in the perceptions of various bank groups.
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