About BankingKnowledge.ai

Why this site exists

Most of us use banks every day, yet few people are ever taught how the system works. Why does an NEFT transfer take longer than UPI? What actually happens when a bank approves a loan? What is KYC checking, and why does it matter? The answers exist, but they are usually buried in regulatory circulars or wrapped in jargon.

BankingKnowledge.ai was started by Sreeyush Sudhakaran, a Solution Architect with more than 14 years of experience in banking technology, as a pure knowledge-sharing project. The aim is to explain banking clearly and accurately, with real examples, so that students, career-changers and everyday customers can understand the system they rely on.

The Site focuses on Indian banking, including RBI rules and payment systems such as UPI, NEFT, RTGS and IMPS, while explaining ideas that apply to banking anywhere.

What you will find here

Guides grouped by the type of banking they explain, plus quick answers to common questions.

Retail Banking

Savings and current accounts, debit cards, internet banking and the everyday services individuals use.

Read the guides

Corporate Banking

Working capital, trade finance, cash management and treasury services for businesses.

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Private Banking

How wealth management, advisory and bespoke services work for high-net-worth clients.

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Credit Cards

How cards work, what interest and fees really cost, and how credit scores come into play.

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Loans and Lending

Home, personal, auto and education loans, plus EMI and amortisation explained step by step.

Read the guides

FAQs

Short, direct answers to common questions on KYC, UPI, NEFT versus RTGS, and more.

Browse the FAQs

How we work

Three commitments guide everything published on the Site.

Accurate

Facts and figures are checked against regulators and official bank documents, and time-sensitive pages say when they were last updated.

Clear

We define jargon, use worked examples and explain why a rule exists, not only what the rule says.

Independent

We take no payment to promote a bank or product. Advertising is automated and separate from what we write.

Read our Editorial Policy

What this Site is not

BankingKnowledge.ai is educational. It is not a bank, does not sell or arrange any financial product, and does not give personal financial, investment, legal or tax advice. It is also independent: the author writes in a personal capacity, and the Site is not connected to his employer or to any bank or regulator. For the details, read the Disclaimer.

Please never send us account numbers, card details, PINs, OTPs or identity documents. We will never ask for them.