The term called "Digitalization" governs the modern world in which we work. The Government of India has recently announced the Digital India Program with the vision of transforming India into an information economy and a digitally empowered society. All sectors of the economy have played a major role in the concept of digitalization, and the banking sector is no exception. Digitalization has become critical for the Indian banking sector, which plays a major role in fostering financial inclusion and which is primarily concerned with providing customers with better services and opportunities to earn more in the near future. In recent years, the Indian banking sector has achieved tremendous growth, fostering a higher level of capital creation due to the digitalization of banking. While the Indian banking sector is moving towards digitalization, different issues and challenges need to be addressed, especially in rural banking. This conceptual research paper is an attempt to examine and gain a new perspective on the issues and challenges in the field of digitization of rural banking.

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Keywords: Digitalization, Rural Banking, India, Growth, Issues.