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Financial Inclusion

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Financial Inclusion

The Committee on Financial Inclusion has defined Financial Inclusion as "the process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost.”
Financial inclusion ensures the ease of access, availability and usage of the  financial system for all members of an economy i.e. Banking Access to All.

“The test of our progress is not whether we add more to the abundance of those who have much; it is whether we provide enough for those who have too little.”
Franklin D. Roosevelt

“Poverty is the worst form of violence.”
Mahatma Gandhi

“If the misery of the poor be caused not by the laws of nature, but by our institutions, great is our sin.”
- Charles Darwin


The Government of India and the Reserve Bank of India have been making concerted efforts to promote financial inclusion as one of the important national objectives of the country.  Some of the major efforts made in the last five decades include - nationalization of banks, building up of robust branch network of scheduled commercial banks, co-operatives and regional rural banks, introduction of mandated priority sector lending targets, lead bank scheme, formation of self-help groups, JLGs, permitting BCs/BFs to be appointed by banks to provide door step delivery of banking services, zero balance BSBD accounts, etc. The fundamental objective of all these initiatives is to reach the large sections of the hitherto financially excluded Indian population.

HCCB FI Vision:

With a committment to reach the unbanked and to extend financial sevices at afforadble cost and endeavour to financially uplift un-previleged people through developmental banking initiatives on a sustainable basis.

HCCB FI Mission:

To cover 1200 villages in the Hoshiarpur District for providing Basic Savings Bank Deposit Accounts facility to minimum 10 unbanked households/persons and to cover 500 villages under Farmers Club Programme under the aegis of NABARD under 'HCCB Financial Inclusion' Project by the year 2016.

Scope of Financial Inclusion:

The government of India & RBI has taken a big initiative for  ensuring the inclusive growth through financial inclusion so that the access of financial service will reach to the all.  As per RBI data only 59 percent of the adult population in the country has bank accounts. 41 percent of the population is, therefore, unbanked. In rural areas the coverage is 39 percent against 60 percent in urban areas. The unbanked population is comparatively higher in the remote villages in the  kandi belt adjoining shivalik foot hills and bet area villages adjoining Beas river. The Scope of HCCB Financial Inclusion include services like Basic Savings Bank Deposit accounts or No-frill accounts, easy and immediate credit facility,  insurance facility . It also includes promotion of SHGs, JLGs and Farmer's Clubs.