Nowadays the quality plays a vital role at everyplace, whether it is a service quality or product quality. In this Journal I am focusing on the service quality, that how much it gives an impact on the customer’s loyalty and satisfaction towards the Retail banking. Sometime’s the perception of the customers tend to the public sector retail banking due to the trustworthiness apart from the private banks. The only thing which may develop a difference between these two Sectors is only a Service Quality. The Service quality revolves around the customer mind and that’s the time when any of these two banking sector’s put their positive or negative impact on the customer's attitude. There are numerable researchers which had done research work on the service quality which flashes the light on the basic and straightforward views which describes some of the causes that affect the Service Quality in Retail banking.