TY  - BOOK
AU  - Mani N
TI  - Financial inclusion in India: policies and programmes
SN  - 978-8177084085
U1  - 332.10954 MAN 
PY  - 2015///
CY  - New Delhi
PB  - New Century Publications
KW  - India -- Economic policy
KW  - Poverty -- Government policy -- India
KW  - Banks and banking
KW  - Economic Policy
KW  - Financial institutions -- India
KW  - Income distribution
N1  - Shanthi/IN2433/07-03-16 Rs.1490/-; Part1. Indian economy, poverty and financial system 

Indian economy: an overview 
Poverty in India: concept, causes and incidence 
Financial system and regulators in India

Part 2. Financial inclusion institutions in India 

Financial inclusion: conceptual framework 
Recent financial inclusion measures in India 
Rural credit co-operatives
Regional rural banks (RRBs)
Urban co-operative banks (UCBs)
Micro finance and self-help groups (SHGs) 
Mutual funds 
Pension funds 
Pradhan Mantri Jan-Dhan Yojana (PMJDY), 2014 
Role of technology in financial inclusion. 
Appendix
N2  - In India, while one segment of the population has access to an assortment of banking services and financial counseling, the other segment of underprivileged and lower income group is totally deprived of even basic financial services. Exclusion of large segments of the society from financial services adversely affects the overall economic growth of a country. In order to ensure financial inclusion of the poor, particularly in rural areas, various initiatives have been taken by the government and the Reserve Bank of India (RBI). These include the nationalization of commercial banks, the establishment and expansion of rural credit co-operatives, regional rural banks, urban co-operative banks, micro finance and self-help groups, mutual funds, and pension funds. There are several challenges that require concerted efforts from banks, the RBI, and India's government to ensure a convenient and cost-effective delivery of financial services to the public at large. In particular, the challenge is to introduce innovations in risk assessment, reduce transaction costs, devise new credit delivery channels, and use information technology to make financial inclusion a viable model. This book examines the various policies and programs that were implemented in order to make financial services more accessible to the country's underprivileged income groups, resulting in millions of bank accounts being opened.
ER  -