Service with a smile: Today’s finicky banking customers will settle for nothing less. The customer has come to realize somewhat belatedly that he is the king. He wants competitive loan rates but at the same time also wants his loan or credit card application processed in double quick time. In short he wants financial house that will more than just clear his cheque and updates his passbook: he wants a bank that cares and provides great services. So here the study conducted on customer perception towards the services offered in retail banking is discussed.