• Devineni Kavitha

IThis study examines the impact of UPI usage and financial literacy on financial inclusion in rural areas. The introduction of the Unified Payments Interface (UPI) has made digital transactions faster, easier, and more convenient. However, rural communities may face challenges such as limited digital knowledge, poor internet connectivity, lack of awareness, and security concerns. Financial literacy helps individuals understand banking services, manage money effectively, and use digital payment platforms safely. The study aims to analyze the relationship between UPI usage, financial literacy, and access to financial services in rural areas. Primary data will be collected through a structured questionnaire. The findings are expected to identify barriers to financial inclusion and suggest measures such as digital awareness programmes, financial education, and improved digital infrastructure to promote inclusive economic growth.

UPI; digital payments; financial literacy; financial inclusion; rural India; regression analysis.

"IMPACT OF UPI USAGE AND FINANCIAL LITERACY ON FINANCIAL INCLUSION AMONG RURAL AREAS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 10, page no.b522-b539, October-2026, Available :http://www.jetir.org/papers/JETIR2610155.pdf

"IMPACT OF UPI USAGE AND FINANCIAL LITERACY ON FINANCIAL INCLUSION AMONG RURAL AREAS", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 10, page no. ppb522-b539, October-2026, Available at : http://www.jetir.org/papers/JETIR2610155.pdf