In crisis times, depositors get anxious, can run on banks, and withdraw their deposits. Correlated withdrawals of bank deposits could be mitigated if bank deposits are more diversified, i.e. held by more individuals. This paper examines the link between a broader access to bank deposits prior to...

The significance of financial education as a transformation agent in the financial inclusion agenda of the nation is undisputed in academic as well as practitioner’s circle. This paper discusses its impact on the financial well being of the people and further highlights the steps taken by...

Financial inclusion may be defined as the process of ensuring timely and adequate access to financial services and credit delivery for low income groups at an affordable cost. The basic aim of Financial Inclusion is to ensure the ease of access, availability and usage of the formal financial...

The government of India had initiated bank payments of wages under Mahatma Gandhi National Rural Employment Guarantee Programme (MGNREGP). This initiative is undoubtedly a big financial inclusion drive particularly among the rural poor of India. This paper has tried to evaluate this financial...

In crisis times, depositors get anxious, can run on banks, and withdraw their deposits. Correlated deposit withdrawals of bank deposits could be mitigated if bank deposits are more diversified, i.e. held by more individuals. This paper examines the link between a broader access to bank deposits...

Urban Cooperative Bank in India, with their long history of over 100 years, play an important role in financial inclusion. The mainstay of these banks was rooted in their captive clientele the forms of shareholders, and also in some cases specific community or location. This shielded them from...

With the help of modern information communication technology, m-banking as a new type of banking services carrier can provide efficient and effective financial services for unbanked and rural peoples in India. Increased cellular service users in rural Indian provide wide opportunity to expand...