Artificial Intelligence (AI) is transforming the Indian banking sector by enhancing efficiency, security, and customer experience. AI-powered chatbots, fraud detection systems, predictive analytics, and automated loan processing are revolutionizing banking operations. Banks leverage AI for personalized financial services, risk management, and regulatory compliance, reducing human intervention and operational costs. AI-driven solutions improve credit scoring, detect anomalies in transactions, and optimize customer engagement. However, challenges such as data privacy concerns, regulatory hurdles, and the need for skilled workforce persist. As AI adoption grows, it is expected to drive digital banking innovation, making financial services more inclusive and efficient in India. Objectives: How is AI impacting the efficiency, security, and customer experience in the Indian banking sector and what challenges and opportunities does it present.