The article explores how customers perceive the value of using online banking services provided by public sector banks. It focuses on understanding what customers gain and give up when using these services. The study aims to identify the factors that influence customers' perceptions of value when using net banking services. The researchers highlight the importance of quality, benefits, and worth in shaping customers' preferences and evaluations of online banking attributes. Overall, the research emphasizes the role of technology in transforming traditional banking into a more convenient and accessible system for customers.