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Financial Inclusion and Development
About
This role encapsulates the essence of renewed national focus on Financial Inclusion, promoting financial education and literacy and making credit available to productive sectors of the economy including the rural and MSME sector. -
- Credit flow to priority sectors: Macro policy formulation to strengthen credit flow to the priority sectors. Ensuring priority sector lending becomes a tool for banks for capturing untapped business opportunities among the financially excluded sections of society.
- Financial Inclusion and Financial Literacy: Ensuring access to an array of basic formal financial services and products and scaling up financial awareness initiatives. The National Strategy for Financial Inclusion (NSFI) 2019-24 and the National Strategy for Financial Education (NSFE): 2020-25 sets forth the vision and key objectives of the Financial Inclusion and Financial Literacy policies in India to expand the reach and sustain the efforts through a broad convergence of action involving all the stakeholders in the financial sector.
- Credit flow to MSME: Formulating policies to enable optimal flow of credit to the MSME sector and address stress in the accounts of MSMEs
- Credit Delivery to SHGs, SC/ST community and Minority Communities: To enhance flow of credit to individuals, Self Help Groups, persons belonging to SC/ST category and Minority Communities through select Government Sponsored Schemes.
- Credit flow to agriculture and allied activities: Providing broad guidelines to enable (i) ease of access to finance by farmers and (ii) financial assistance to farmers affected by natural calamities.
- Institutions: Strengthening institutional arrangements, such as, State Level Bankers Committees (SLBCs), Lead bank scheme, etc., to facilitate achievement of above objectives. Updation 11-01-2024
With the evolving Indian economy and penetration of banking and financial services in rural areas, the priority sector guidelines been reviewed to address the regional disparity in flow of credit and emerging national priorities. The co-lending model by Banks and NBFCs aims to leverage the comparative advantage of Banks and NBFCs to improve the flow of credit to different priority sectors. Commercial banks have also been mandated to support the eligible borrowers affected by natural calamities coming under the ambit of National Disaster Management Framework of Government of India. Implementing the recommendations of National Strategy for Financial Inclusion 2019-24 and monitoring the progress of financial inclusion plans to expand and sustain the progress of financial inclusion in the country Strengthening financial literacy awareness among public through Center for Financial Literacy. Co-oridinating with the stakeholders for implementation of the recommendations made by the Expert Committee on MSMEs and Internal Working Group to review agricultural credit.
With the evolving Indian economy and penetration of banking and financial services in rural areas, the priority sector guidelines been reviewed to address the regional disparity in flow of credit and emerging national priorities. The co-lending model by Banks and NBFCs aims to leverage the comparative advantage of Banks and NBFCs to improve the flow of credit to different priority sectors. Commercial banks have also been mandated to support the eligible borrowers affected by natural calamities coming under the ambit of National Disaster Management Framework of Government of India. Implementing the recommendations of National Strategy for Financial Inclusion 2019-24 and monitoring the progress of financial inclusion plans to expand and sustain the progress of financial inclusion in the country Strengthening financial literacy awareness among public through Center for Financial Literacy. Co-oridinating with the stakeholders for implementation of the recommendations made by the Expert Committee on MSMEs and Internal Working Group to review agricultural credit.
Key Topics
Agriculture
Providing broad guidelines to enable (i) ease of access to finance by farmers and (ii) financial assistance to farmers affected by natural calamities.
National Strategy for Financial Inclusion
The National Strategy for Financial Inclusion sets forth the vision and key objectives of the financial inclusion policies in India.
MSME Lending
Enabling optimal flow of credit to the MSME sector and address stress in the accounts of MSMEs.
MSME stress resolution
Framework for Revival and Rehabilitation of MSMEs - To provide a simpler and faster mechanism to address the stress in the accounts of MSMEs and to facilitate the promotion and development of MSMEs.
Priority Sector Lending
Priority Sector Lending is a tool for banks for capturing untapped business opportunities among the financially excluded sections of society.
- Policy formulation by taking inputs from interaction with stakeholders and robust and timely management information system through collection of reliable data, statutory and otherwise.
- More powerful communication of the Reserve Bank’s priority sector definition to stakeholders. More frequent and close monitoring of achievement of banks under priority sector lending.
- Effective monitoring through State Level Bankers’ Committees (SLBCs). Putting in place simple and clear guidelines on evaluation of extent of crop loss where calamity is on account of production effectiveness.
- Assess the regional/sectoral (industry wise) disparities in credit flow to MSEs. Sharing success stories of various players (Private/ PSBs/RRBs/ Co-ops) on stepping up flow of credit to MSMEs.
- Strengthen innovative and community led participative approaches, for furthering financial literacy at the grass root level, through Centres for Financial Literacy (CFL)
- Financial Inclusion Index (FI-Index) developed in consultation with the government and sectoral regulators, to measure the extent of financial inclusion in holistic manner, will be monitored closely to finetune future policy interventions
Legal Framework
Reserve Bank of India Act, 1934
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