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A Comparative Appraisal of Financial Inclusion in India

Sitara V. Attokkaran, Assistant Professor, Dept. of Economics, Vimala College, Thrissur, Kerala 680009, India. , Sitara V. Attokkaran

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Journal of Social Welfare and Management 10(3 (Special Issue)):p 472-478, Sep-Dec 2018. | DOI: http://dx.doi.org/10.21088/JSWM.0975.0231.10318.25

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Abstract

Access to banking and financial services by all sections of the society will ensure inclusive growth. Financial inclusion is an essential component in reducing poverty and achieving inclusive economic growth. Financial inclusion is considered as a catalyst for sustainable inclusive growth. This paper is directed towards making a comparative appraisal of financial inclusion in India. This paper looks in to a cross-country comparison of financial inclusion indicators of India and selected countries and found that India does not compare very favorably with regard to some financial inclusion indicators. This paper also examines the regional financial inclusion situation in India. The CRISIL Inclusix point out that there is an overall improvement in the financial inclusion among the states of India. There are state wise variations in financial inclusion within the country. All India Inclusix score has improved from 35.4 in 2009 to 58 in 2016 out of 100, it also reveal that a large part of India’s population still do not have access to formal financial services. Indian policymakers must take efficient ways and means to ensure greater financial inclusion by providing access of financial services to the financially excluded segments of society.

 

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DOI: http://dx.doi.org/10.21088/JSWM.0975.0231.10318.25

Keywords

Financial Inclusion; Inclusive Growth; Inclusix; Digital Payments; Inactive Accounts.

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