International Journal of Management Studies ISSN(Print) 2249-0302 ISSN (Online)2231-2528 http://www.researchersworld.com/ijms/ Vol.–VI, Issue –1(4), January 2019 [86] DOI : 10.18843/ijms/v6i1(4)/10 DOI URL: http://dx.doi.org/10.18843/ijms/v6i1(4)/10 Account Holders’ Perception towards E – Banking Services of Public and Private Sector Banks Dr. D. Jagadeesan, Asst. Professor Dept. of Business Administration Arignar Anna Govt. Arts College Attur, Salem, Tamil Nadu, India. Dr. P. Chinnadurai, Asst. Professor Dept. of Business Administration Annamalai University Annamalai Nagar, Tamil Nadu, India. ABSTRACT It has become obvious that nothing can be done effectively without the help of Information Technology and it has shrunken the world, as a result of which, time and distance have become non-entities. It has enveloped every aspect of life. In this dynamic situation, the banking sector is not an exception. The concept of banking has drastically changed, where technology is the most dominating factor which has helped the banks to provide innovative products, such innovative product is e-banking services. E-banking services have become part and parcel of banking operations. E-banking plays a vital role in enhancing the banking operations and results in account holders’ satisfaction. In this direction, this paper has made an attempt to examine the status of the account holders’ perception towards the e-banking services offered by Public and Private sector banks function in Trichy region of Tamil Nadu,India. This study finds that both public and private sector bank account holders’ perception is at positive side with their banks and on the other hand due to wide differences of the response of the account holders of both public and private sector banks should concentrate on their weak areas in order to meet their account holders expectations and this study provides some sort of strategies to managers of banks to take suitable decisions to get more satisfied responses from their account holders. Keywords: Account holders, E-banking, Perception, Services. INTRODUCTION: E-banking is that the term used for brand new age industry. E-banking is also called as online banking and it is an outgrowth of PC banking. E-banking uses the web because the delivery channel by that to conduct banking activity, for example, transferring funds, paying bills, viewing checking and savings account balances, paying mortgages and purchasing financial instruments and certificates of deposits (D. Jagadeesan and P.Chinnadurai, 2015). E-banking is a result of explored possibility to use internet application in one of the various domains of commerce. It is difficult to infer whether the internet tool has been applied for convenience of bankers or for the account holders’ convenience. But ultimately it contributes in increasing the efficiency of the banking operation as well providing more convenience to account holders. Without even interacting with the bankers, account holders transact from one corner of the country to another corner. There are many advantages of e-banking. It is convenient, it isn’t bound by operational timings, there are no geographical barriers and the services can be offered at a minuscule cost (IAMAI’s, 2006). Electronic banking has old explosive growth and has remodelled ancient practices in banking (Gonzalez et al., 2008). Private Banks in India were the first to implement E-banking services in the banking industry. Private Banks, due to late entry into the industry, understood that the establishing network in remote corners of the country is a very difficult task. It was clear to them that the only way to stay connected to the account holders at any place