Ramatenki Bikshapathi¹, Shanigari Pradeep², Jagatha Poojitha³, Medipally Prashanth⁴, Dr. B. Narmada⁵ 02 11 Branchless banking has emerged as a transformative paradigm in the Indian financial services landscape enabling banks to extend services beyond physical branches through mobile banking internet banking ATMs business correspondents and digital payment platforms HDFC Bank Indias largest private sector bank has pioneered branchless banking innovations including PayZapp SmartBUY and the HDFC Bank Mobile Banking App This paper investigates customer perception towards branchless banking services offered by HDFC Bank focusing on adoption drivers satisfaction levels perceived ease of use trust and barriers to digital banking utilization Primary data was collected through structured questionnaires administered to 120 HDFC Bank customers in Hyderabad Telangana Secondary data was drawn from HDFC Bank annual reports RBI digital payment statistics and academic literature The Technology Acceptance Model TAM framework guides the analytical approach Findings indicate that 742 of respondents are satisfied with HDFC Banks branchless services with convenience and 247 availability as primary adoption motivators Security concerns and digital literacy gaps remain the leading barriers Recommendations include enhanced cybersecurity communication digital literacy programs and seamless omnichannel integration to strengthen customer confidence in branchless banking Copyright (c) Journal of Science Engineering Technology and Management Science. All rights reserved 2026