The article discusses how financial planning through liquidity ratios can help evaluate the cash fluidness of HDFC and SBI banks. The researchers focused on current ratio and cash ratio to assess the banks' liquidity positions. A current ratio below industry average indicates risk, while a high ratio shows efficient asset usage. A cash ratio helps identify funds available for lending. Data from the banks' official websites for the years 2016-2020 was analyzed. The study found that both banks had varying liquidity standings based on the calculated ratios.