Theme T132 · Indian Economy

Financial inclusion & rural credit

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What UPSC asks

UPSC asks financial inclusion as part of social and economic inclusion, RBI's FI Index, Jan Dhan for the unbanked, and rural credit cooperatives' role and challenges.

Prepare these

• PMJDY outcomes; dormant accounts
• RBI FI Index components
• Rural credit: cooperatives, RRBs, NABARD, KCC
• Technology: BCs, payments banks, digital lending

Answer writing

• Link to inclusive growth and SHGs

Directive words in these PYQs: Examine (1), Justify (1), Do you agree (1), Discuss (1).

Linked themes

Comes back later in

Later themes that take this one further.

Syllabus lines covered

• GS3-L1 — Indian Economy and issues relating to planning, mobilization of resources, growth, development and employment.

All 3 PYQs, newest first

1. GS3202610 marks · 150 wordsGS3-ECO-03-M2026-S02

   Examine the view that financial inclusion is an integral part of social and economic inclusion in a country like India. Also throw light on the usefulness of the R.B.I.’s Financial Inclusion Index.

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2. GS32016GS3-ECO-03-M2016-S01

   Pradhan Mantri Jan Dhan Yojana (PMJDY) is necessary for bringing unbanked to the institutional finance fold. Do you agree with this for financial inclusion of the poor section of the Indian society? Give arguments to justify your opinion.

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3. GS32014GS3-ECO-03-M2014-S01

   “In the villages itself no form of credit organization will be suitable except the cooperative society.” — All India Rural Credit Survey. Discuss this statement in the background of agricultural finance in India. What constraints and challenges do financial institutions supplying agricultural finance face? How can technology be used to better reach and serve rural clients?

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