• Bharti Chhabra Rana
• Dr. Shilpi Khandelwal

Access to finance by the deprived and weaker groups is multifaceted. This is due to varied reasons like lack of banking facilities, lack of knowledge about funds and schemes available for them, lack of a regular or considerable income and most prominently, meeting financial targets by banks. Therefore, The Reserve Bank sustained its focus on ensuring accessibility of banking services to all sectors of people across the country, and strengthening the credit delivery system to furnish the needs of all industrious sectors of the economy, particularly manufacturing, agriculture, and micro and small enterprises sectors. To organize credit delivery and encourage financial inclusion, a number of initiatives were taken during 2017-18. This paper will highlight the usefulness of various initiatives like revamping the lead bank scheme, priority sector lending specially to agriculture, flow of credit to Micro and Small enterprises, Relief measures to natural calamities. The ultimate objective of all these facilities is to provide the financial support to the big section of the hitherto financially excluded population.

Keywords: Financial Inclusion, Financial Literacy, Lead Bank Scheme, Credit Delivery, etc.

"Empowering Financial Inclusion- a Review of Initiatives and Achievement", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 2, page no.110-117, February-2019, Available :http://www.jetir.org/papers/JETIR1902B15.pdf

"Empowering Financial Inclusion- a Review of Initiatives and Achievement", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 2, page no. pp110-117, February-2019, Available at : http://www.jetir.org/papers/JETIR1902B15.pdf