In India, financial inclusion is becoming more popular as a fresh approach to excite the economy. It is crucial to the public's access to affordable financial services. Given its profound effect on society, financial expansion is the nation's most important objective. It therefore closes the wealth gap. Financial institutions facilitate progress, economic expansion, and financial progress by offering a solid basis. The implications of financial inclusion on economic growth in the long run are now being studied by researchers. In a sense, the advancement of any economy depends on its commercial banks. By investing your money and assisting with daily transactions, they help stabilize the country and offer loans and interest on your savings. Commercial banks perform many other responsibilities in addition to those mentioned above. Further to giving their consumers necessary services, commercial banks generate capital and provide liquidity in the market. By making loans based on their clients' deposits, banks ensure market liquidity. Accruing public deposits and lending them for the success of industry, trade, commerce, and the primary sector is a bank's most important function. Even in isolated places, there are commercial banks. Furthermore, a wide audience is now served via internet banking. Each of these services is available online for users. The government consequently views the expansion of commercial banks as a top priority. Commercial banks are the engine of economic activity. Knowing the roles played by this bank is crucial since without them, these operations would come to an abrupt end. The banking industry is seeing improvements as commercial banks expand into tier-2 and tier-3 cities. A greater understanding of banks and their role is facilitated by this well-balanced development in semi-urban and rural areas. The availability of banking services is also improved. Liquidity has increased because people who previously deposited cash in a financial institution now choose to do so. The purpose of this paper is to analyze the functions and significance of commercial banks in India.