The Indian banking sector plays a pivotal role in the economic development of the country, with both public and private banks contributing to financial inclusion, economic growth, and customer service delivery. In recent years, the distinction between public and private banks has become more pronounced, particularly in terms of operational efficiency, technological integration, and customer satisfaction. This study seeks to conduct a comparative analysis of public and private sector banks in Kanyakumari District, Tamil Nadu, to understand their performance across key parameters such as service quality, customer perception, loan disbursement practices, financial inclusion, and digital banking initiatives. The research employs a mixed-methods approach, combining quantitative data collected through structured questionnaires distributed among bank customers. Secondary data from existing journal articles and RBI reports and annual banking statistics further support the analysis. The findings suggest that private banks outperform public banks in areas like technology adoption, customer service, and responsiveness, while public banks retain an edge in accessibility, trust among rural populations, and participation in government-led financial inclusion programs. This comparative study highlights the strengths and weaknesses of both sectors and recommends strategies to enhance service delivery, customer engagement, and financial reach. The insights from this research are relevant for policymakers, financial institutions, and academicians interested in regional banking dynamics and service improvement.