CONTENTS
Preface
Yashwant Sinha xi
Foreword
C. Rangrajan xv
Acknowledgement xvii
Introduction : From Swabhimaan to Jan Dhan 1
Section 1 : Setting the Context for Financial Inclusion
1.Financial Viability of Jan Dhan 43
2.Policy potions that Kept Indians poor 61
3.Modinomics and Poverty Alleviation 89
Section II. : A Sectoral Analysis of Financial Inclusion
4. Why Has Banking for the Poor Been a Non-Starter : 113
5.Priority Sector : Priority No-more 135
6.Microfinancing the poor 163
7.Self-help Groups : Exploring the Linkages 189
8.Micro-Insurance : Too Micro to be Visible 207
9.Micro-Pensions: In need of Expansion 233
10.Co-operatives:Going through Revival 251
Section III : Key Drivers of Financial Inclusion
11.MSMEs : An Engine of Inclusive Growth 275
12.Payments & Settlements : In Search of Clarity 297
13.Mobiles & Connectivity : What Comes First? 313
14.Financial Literacy & Financial Education : Wheels should Roll 329
Section IV : Integrating Goals of Social & Financial Inclusion
15.UID : Identity that Should be 349
16.Targeting Gender : Move Beyond Biases 365
17.Financial Services for the Disabled : Time for Inclusion 383
18.Swachh Bharat, Swasth Bharat : Regenerating Culture 399
Recommendations : Jan Dhan and Beyond 413
List of Tables 425
List of Figures 427
List of Acronyms and Abbreviations 429
Index 437