• Sabeena L
• Swetha A M
• Anjana M

Abstract Financial Inclusion is the fundamental concept for opening a bank branch in rural areas. It is the delivery of banking services at an affordable cost to the vast sections of disadvantaged and low income group. The various financial services include savings, loans, insurance, payments, remittance facilities, financial counseling and advisory services by the formal financial system. This helps to connect the unprivileged groups with the mainstream for receiving government schemes, transfer of benefits, granting of credit, training and other facilities. This study has been undertaken to find out the status of Financial Inclusion program in Huralichikkanahalli and silvepura villages access of rural households to banking services, awareness and perception of non-accounts holders towards banking, socio-economic factors for opening bank account and availability of bank services in the area of study.

Keywords: awareness level, perception, PMJDY, APY, PMJJBY

"A study on rural people perception and awareness towards financial inclusion ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 1, page no.1148-1158, January-2019, Available :http://www.jetir.org/papers/JETIR1901C60.pdf

"A study on rural people perception and awareness towards financial inclusion ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 1, page no. pp1148-1158, January-2019, Available at : http://www.jetir.org/papers/JETIR1901C60.pdf