Strategy approved by Sub-Committee of Financial Stability and Development Council focuses to improve reliable last-mile access and effective use of financial services across the country.

About NSFI 2025-30:

• It outlines five key goals (Panch-Jyoti) to improve financial inclusion in India, supported by 47 specific action points to achieve them.
• The Panch Jyoti are:
  • Improving availability and use of equitable, suitable, and affordable bouquet of financial services to achieve financial safety and financial security for households and micro enterprises,
  • Adopting gender-sensitive approach for women-led financial inclusion and differentiated strategies for improving financial resilience of households, especially for the underserved and vulnerable segments,
  • Synergizing livelihood, skill development and support ecosystem and its linkages with financial inclusion,
  • Leveraging financial education as a tool for promoting financial discipline, and
  • Strengthening quality of customer protection and grievance redressal measures.

Financial Inclusion (FI) and its growth in India:

• FI means that individuals and businesses have access to useful and affordable financial products and services that meet their needs delivered responsibly and sustainably. (World Bank).
• RBI FI-Index has risen to 67 in 2025, up by 24.3% since 2021.
  • FI-Index captures financial inclusion across the country while representing different sectors such as banking, investment, insurance, pension etc.