CASH MANAGEMENT STRATEGIES IN BANKING SECTOR AT ICICI BANK

Abstract

This paper studies ICICI Bank's cash management techniques in the Indian banking market, focusing on liquidity maximization, efficiency, and risk management. It looks into how the bank manages the entrance and outflow of funds to keep its day-to-day operations running smoothly. The research emphasizes the importance of technology-based solutions, such as central banking systems, automated cash forecasting tools, and digital payment platforms. A lot of emphasis is being dedicated to liquidity management solutions that generate profits while also adhering to rules. The report also looks into how ICICI Bank manages excess funds and prevents cash from sitting idle. It explores how effective financial management affects customer satisfaction and operational stability. The study investigates the effects of RBI guidelines on liquidity and currency reserve requirements. It focuses on operational risks and shifting cash demand. The report claims that centralized financial management improves control and transparency. The examination also looks into how treasury processes improve cash flow. The findings show that effective cash management enhances financial performance.