Financial Inclusion- Challenges and Opportunities

Ashu Gupta


Financial inclusion is the pursuit of making financial services accessible at affordable costs to all individuals and businesses. Financial inclusion strives to address and offer solutions to the constraints that exclude people from participating in the financial sector. In 2016, the World Bank stated that around 2 billion people worldwide don’t use formal financial services and more than 50% of adults in the poorest households are unbanked. With the help of financial inclusion concept, by saving small amounts over time, poor people can arrange funding for the lump investment needed in businesses like for purchasing equipments or buying goods at a wholesale price. Financial inclusion promotes thrift and develops culture of saving, improves access to credit both entrepreneurial. Financial Inclusion plays a major role in inclusive growth of the country. The main objective of this paper is to study the challenges and opportunities of financial inclusion.



Financial Inclusion, challenges, opportunities

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