Including the excluded through financial inclusion

Financial inclusion is delivery of banking services at an affordable cost to the vast sections of disadvantaged and low income groups. Unrestrained access to public goods and services is the sine qua non of an open and efficient society. As banking services are in the nature of public good, it is essential that availability of banking and payment services to the entire population without discrimination is the prime objective of the public policy. The present paper is an attempt by the authors to understand the perception of the beneficiaries in general towards the basic banking services accessibility in the study area. For the purpose of the study 22 different variables had identified, however after the pilot study only 13 variables considered for the study. For the study 400 respondents targeted in the study area, however 193 responses collected for the data analysis.