• Dr. Anshu Veenapani

Financial inclusion leads to the inclusive development of rural areas and helps bring their quality of life at par with that of urban populations. It stands for the delivery of appropriate financial services at an affordable cost and on a timely basis to vulnerable groups, such as low-income and weaker sections, who often lack access to even the most basic banking services. A large segment of the population remains excluded from formal financial and banking systems, not only in India but across the world—this exclusion is the concern that financial inclusion seeks to address. The paper attempts to understand the concept of financial inclusion and its critical role in rural transformation in India. Furthermore, it explores how financial literacy, digital infrastructure, and institutional support can bridge the urban-rural financial divide.

Inclusion, financial, affordable, transformation, appropriate

"Financial Inclusion and Transformation of Rural India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 10, page no.c759-c765, October-2025, Available :http://www.jetir.org/papers/JETIR2510295.pdf

"Financial Inclusion and Transformation of Rural India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 10, page no. ppc759-c765, October-2025, Available at : http://www.jetir.org/papers/JETIR2510295.pdf