• BAIG MANSUR IBRAHIM
• Dr. K. TAMIZHJYOTHI

In Indian culture, agriculture has a strong base for occupation. It had huge contribution in Indian economy during pre and post independence. The growth gradually declined and resulted in minimum contribution in the total economy. Enormous research highlighted the down turn of Indian agriculture due to financial inefficiencies of small and marginal farmers who are numbered the highest in the total population of farmers. The category had remained ineligible to be covered financial towards formal sectors and in turn had resulted in low irrigation and production of crops in their rested small acres of lands. Despite of enormous efforts of RBI, Regional Banks and Financial Instiutions, yet their remained a huge laggard in their financial upliftment. The research highlights that mere opening of savings accounts do not encourage its effective utilization unless it attains its adequate financial literacy. The research throws a light on various parameters “constrains’’ towards attaining adequate financial literacy in the aforesaid category and recommends the suggestions for the same. Stratified sampling with the total of 383 samples covering four blocks of village of Puducherry have been opted for the research.

Indian agriculture , Small and Marginal farmers, financial inefficiencies, financial upliftment, financial literacy

"Financial inclusion through financial literacy - a study in Puducherry Union Territory", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.158-164, June-2019, Available :http://www.jetir.org/papers/JETIR1906752.pdf

"Financial inclusion through financial literacy - a study in Puducherry Union Territory", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp158-164, June-2019, Available at : http://www.jetir.org/papers/JETIR1906752.pdf