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    The Status of Financial Inclusion, Regulation, and Education in India

    Barua, Abheek; Kathuria, Rajat; Malik, Neha | April 2016
    Abstract
    India’s financial inclusion agenda has witnessed a paradigm shift over the last decade, away from an emphasis on credit to a more comprehensive approach toward financial services (e.g., opening bank accounts and offering basic financial products, such as insurance). This paper describes the structure of banking and microfinance institutions in India relevant to the developing model of financial inclusion, as well as relevant regulatory structure and modes of delivery. It explains the current state of financial inclusion, as well as regulatory changes necessary to make the new architecture for inclusion viable, including a critique of some of the recommendations of the Mor Committee on Comprehensive Financial Services for Small Businesses and Low-Income Households. The paper then reviews modes of delivery and the regulatory structure being contemplated or recently introduced. It assesses the suitability objective envisaged as critical for inclusion, associated challenge of revamping consumer protection laws, and imperative of improving financial literacy. The paper also discusses the case of micro, small, and medium-sized enterprises in the given context.
    Citation
    Barua, Abheek; Kathuria, Rajat; Malik, Neha. 2016. The Status of Financial Inclusion, Regulation, and Education in India. © Asian Development Bank Institute. http://hdl.handle.net/11540/6498.
    Keywords
    Government
    Institutional Framework
    Public Administration
    Business Ethics
    Political Leadership
    Public enterprises
    Public finance
    Governance
    Corporate Governance Reform
    Governance Approach
    Governance Quality
    Public Sector Projects
    Public Sector Reform
    Political Leadership
    Political Power
    Institutional Framework
    Government
    Government accounting
    Government
    Political obligation
    Public management
    Government accountability
    Transparency in government
    Political ethics
    Government spending policy
    Government services
    Democracy
    Democratization
    Elections
    Local government
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    Citable URI
    http://hdl.handle.net/11540/6498
    Metadata
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    Author
    Barua, Abheek
    Kathuria, Rajat
    Malik, Neha
    Theme
    Governance
    Public Sector
    Small Medium Business
     
    Copyright 2016-2021 Asian Development Bank Institute, except as explicitly marked otherwise
    Copyright 2016-2021 Asian Development Bank Institute, except as explicitly marked otherwise