The retail structure of India despite being unstructured, have robust demands, increasing investment patterns fueled by innovations in financing and marked by good policy support. To further highlight the impeccable significance of retail sector in India, it contributes to more than 10% of the GDP of India and 8% in terms of employment. In the milieu of retail sectors, store groceries has long been the “go-to” destination for consumers when speaking in the light of buying grocery items. The archetypal name of “kirana store” has long stood out as a mainstay of local retail market in Indian bourgeoisie. However, with the advent of e-commerce and stunning proliferation of mobile applications, the landscape of Indian groceries has undergone dramatic metamorphosis. The advent of online groceries is giving stiff competition to in-store groceries which is clearly evidenced with consumers showing strong proclivity towards online groceries. The present research study is aimed at a nuanced understanding of how “online” groceries are disrupting “in-store” groceries from the perspectives of urban residents dwelling in metropolitan Kolkata. The responses collected via stratified sampling of 322 urban residents of metropolitan Kolkata were analyzed using IBM’s SPSS v23, with results revealing “convenience”, “safety concerns” and “customer value” as essential determinants of “in-store” and “online” groceries.