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The current study was done to evaluate the measures used by the Government of India and Indian Banking Regulator ‐Reserve Bank of India to promote financial inclusion in India. The study aimed at reviewing the impact of the initiatives on financial inclusion. The paper also intended to explore the impact of increasing penetration of mobile phone and internet on financial inclusion. The study revealed that government initiatives like Pradhan Mantri Jan Dhan Yojana (PMJDY), Aadhar Enabled Payment Systems (AEPS) and Direct Benefits Transfer; regulatory reforms by Reserve Bank of India such as Immediate Payment Service (IMPS), Prepaid Payment Instruments, differentiated banks; digital revolution and active participation of private technology companies, are facilitating in successful transition into a financially inclusive economy.

economic analysis

Review of Initiatives taken by the Government and the Banking Regulator for Successful Transition to a Financially Inclusive Economy: An Empirical Study of India