1 Mr. V. Suresh, 2 Avala Baby 03 01 The rapid growth of digital banking has transformed the banking sector by providing customers with convenient fast and secure financial services However the increasing dependence on electronic banking systems has also exposed banks to various operational and technological risks This study titled Risk Analysis of EBanking Operations at Kotak Mahindra Bank Ltd focuses on identifying and analyzing the different risks associated with ebanking operations and evaluating the effectiveness of risk management practices adopted by the bank The study examines major risks such as cyber security threats phishing attacks data breaches transaction errors system failures operational risks and customerrelated risks in ebanking services It also analyzes customer awareness regarding secure online banking practices and the banks measures to ensure data protection transaction safety and regulatory compliance Primary data was collected through questionnaires and customer feedback while secondary data was gathered from journals reports websites and banking publications The findings of the study reveal that although ebanking services offered by the bank are widely accepted due to their convenience and accessibility customers still face concerns regarding security privacy and fraud risks The study concludes that effective risk management strategies advanced security technologies employee training and customer awareness programs play a significant role in minimizing ebanking risks and improving customer confidence The research also suggests that continuous technological upgrades and strong cybersecurity frameworks are essential for ensuring safe and efficient ebanking operations in the modern banking environment Copyright (c) Journal of Science Engineering Technology and Management Science. All rights reserved 2026