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Research Article Open access CC BY 4.0

Financial Inclusion in India: A Regional and District Level Analysis

Tanya Nautiyal, Saba Ismail

Asian Journal of Economics, Business and Accounting · pp. 280–290 · Published 17 Sep 2022

10.9734/ajeba/2022/v22i2230732

Abstract

Financial Inclusion aims at including all sections of society into the ambit of basic banking services. Since 2005, RBI has made several efforts to enhance financial inclusion across India. The study has analyzed the progress of various parameters of financial inclusion in all six regions of India from 2000 to 2018. The research also attempts to analyze the degree of relationship between financial inclusion and social development variables in India with the help of multiple regression models and Dummy variables. The result of the research unveils that literacy rate and urbanization are significant factors whereas the population is found to be an insignificant factor in determining the level of financial inclusion. The study concludes that the south region leads in all the parameters of financial inclusion in all the years and the northeast region remain on the lowest scale.

Financial inclusion literacy rate urbanization credit-deposit ratio descriptive statistics multiple regression model

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