Digital and Financial inclusion | Products and Services | NGO | CSR | India
Financial Inclusion and Literacy in India
Financial Inclusion Index (FI-Index)
RBI’s measure of financial inclusion (0-100 scale)
60.1
64.2
Average Monthly Income of Rural Households
₹8,059
₹12,698
Average Monthly Expenditure of Rural Households
₹6,646
₹11,262
Savings and Debt Trends
Percentage of households reporting savings and outstanding debt
50.6%
66.0%
47.4%
52.0%
Insurance and Pension Coverage
Percentage of households with insurance and pension
25.5%
80.3%
18.9%
23.5%
Financial Literacy and Behavior
Percentage of respondents demonstrating good financial literacy and behavior
33.9%
51.3%
56.4%
72.8%
Pradhan Mantri Jan Dhan Yojana (PMJDY) Growth
Number of accounts (in crores) and total deposits (in crores of ₹)
17.9 crores
50.09 crores
₹22,901 crores
₹2,03,505 crores
Source: Reserve Bank of India (RBI) and National Bank for Agriculture and Rural Development (NABARD) surveys
Note: FI-Index increased from 60.1 in March 2023 to 64.2 in March 2024, showing improvement in financial inclusion.
Empowering India through Financial Inclusion & Literacy: A CSR & Impact Investment Opportunity
Driving Financial Inclusion for a Resilient India
India has made significant progress in financial inclusion, yet millions remain unbanked and financially vulnerable. With over 50 crore Jan Dhan accounts opened and the Financial Inclusion Index (FI-Index) rising to 64.2 in 2024, there is a need for deeper engagement in financial literacy, digital banking, insurance access, and sustainable financial behavior.
Corporate Social Responsibility (CSR) and impact investors play a pivotal role in bridging this gap by funding and supporting scalable financial literacy initiatives that empower underserved communities.
Why Invest in Financial Inclusion & Literacy in India?
Government Mandates & CSR Alignment
As per Schedule VII of the Companies Act, 2013, financial literacy and inclusion qualify as CSR activities.
Scalable & Measurable Impact
66% of rural households now save regularly, but gaps in financial literacy persist.
Over 80% of rural households have insurance, yet awareness about claims and benefits remains low.
Digital financial adoption through UPI, Aadhaar-enabled payments, and fintech innovations requires deeper community-level engagement.
Economic & Social Upliftment
57% of rural households depend on agriculture, requiring tailored financial education on credit, insurance, and savings.
Women’s financial empowerment programs help in bridging gender disparity in financial decision-making.
Our Financial Inclusion & Literacy Services
We offer customized financial literacy and inclusion programs to enhance economic empowerment at scale.
1. Digital & Financial Literacy Training
Community workshops on UPI, online banking, microfinance, government sponsored schemes and insurance.
Specialized training for artisans, farmers, women entrepreneurs, and MSMEs.
2. Rural Banking & Financial Access Programs
Partnerships with banks and NBFCs to extend credit access in rural and semi-urban regions.
Assistance in implementing BC (Business Correspondent) models to reach remote populations.
3. Financial Literacy & Digital Inclusion for Women
Empowering women with financial knowledge, mobile banking training, and SHG capacity building.
Programs aligned with government-sponsored schemes like Mudra Yojana & Stand Up India.
4. Financial Literacy for Youth & School Curriculum Integration
Integration of financial education in schools and skill development programs.
Awareness campaigns on saving, investments, and responsible borrowing for students.
5. Financial Inclusion Impact Measurement & Research
Data-driven insights to measure program effectiveness.
Why Partner with Us?
✅ Proven Expertise: 19+ years of experience in community literacy & inclusion programs.
✅ Measurable Impact: Data-backed insights & transparent reporting for CSR audits.
Join the Movement – Invest in Financial Inclusion Today
Partner with us to drive sustainable financial literacy and economic empowerment across India. Your CSR investment can bridge the financial gap, empower communities, and transform lives.
📩 Contact us today to discuss partnership opportunities and tailored financial literacy solutions!