M— banking has a great potential for extending the provision of financial services .It offers easy access and morcontrol over your money. This study was intended to access how different demographic factors such as education level, income level, occupation and gender affect the awareness and usage of e-banking through mobile phones.

By going digital banks have an opportunity to improve the way they are perceived and also the fact that they can focus on different consumers differently. We had collected primary data by using structured questionnaire and conducted empirical study.

Different demographic factors affect the consumer awareness and usage .The problems faced by the consumers vary as per the differences in these groups.