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              <text>Measurement of financial inclusion status of India</text>
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              <text>Access indicators; Financial inclusion; Measurement; Quality indicators; Status; Usage indicators</text>
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              <text>Financial inclusion provides access to formal financial system for all members of the society. Financial inclusion leads to inclusive financial system which has several merits. Financial inclusion facilitates rational allocation of productive resources and thus can potentially reduce the cost of capital. Efforts towards financial inclusion have been undertaken in India for several years. These financial inclusion initiatives have yielded fruitful results for the people to access and use formal financial system. Further, these initiatives led to better penetration of banking system, credit penetration and savings penetration. However, financial exclusion is common phenomena in India among poor and weaker sections. This article has made an attempt to measure state of financial inclusion in India using access indicators, usage indicators and quality indicators of financial inclusion.  IAEME Publication.</text>
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              <text>Ravikumar T.</text>
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              <text>International Journal of Mechanical Engineering and Technology, Vol-9, No. 7, pp. 354-364.</text>
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              <text>ISSN: 9766340</text>
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              <text>Ravikumar T., Department of Management Studies, CHRIST (Deemed to be University), Bengaluru, Karnataka, India</text>
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