Author(s): Sachin Raghuwanshi, Ashish Jaiswal

Financial Inclusion is process of providing access to financial services to the poor, low income, weaker and vulnerable group of society at a reasonable cost wherever required by them. Financial inclusion is an enabler for 7 of the 17 Sustainable Development Goals. India faces a big challenge of giving access to banking services and insurance coverage to masses, reach to financial institutional has so far remained a challenge to a vast portion of rural population.RBI has taken considerable actions to include more sections of society for financial inclusion in India. The ICT developments can be leveraged to increase the banking outlets in remote and ruralareas without having to open brick and mortar bank branches. Technology needs to facilitate the branch to go where the customer is present, rather than the other way. Along with the physical infrastructure, the environment of understanding the requirement and delivering the solution accordingly is the need of the hour.This paper has re-established the fact that both social and economic factors are pivotal in financial inclusion exercise.

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