The aim of this study is to analyze the banking habits of individuals and their level of satisfaction with the services provided. The research also investigates the factors that impact the accessibility of banking services. The study was conducted by collecting primary data from 300 households in India’s least urbanized state. The research reveals that every household owning a bank account is almost a complete objective. However, ATM and online banking usage and credit outreach remain significant concerns, especially in rural areas. The usage of ATMs and online banking was influenced by social groups and computer literacy. Also, social groups, household income, assets, and bank account ownership were found to play significant roles in selecting banks as a source of loans. Money lenders continue to be a significant issue, particularly in rural areas. Additionally, the attitude of bank employees and the complicated loan disbursement process are the primary reasons for the difficulty in accessing banking services in rural areas.