Post on 19-Nov-2021
NATIONAL STRATEGY FOR
FINANCIAL INCLUSION
The National Strategy for Financial
Inclusion 2019-2024 hian Financial
Inclusion in a hmathlir te leh a
thiltum Pawimawh tak tak te min
chawp Chhuahsak a, India ram
pumpuiah Financial Inclusion
Policy hi zauh zel a, chhawmdawla,
tih phuisui zel tum a ni.
A thiltum te zinga pawimawh em
em chu awlsam tak leh hautak lo
taka financial service mitin hnena
pek a ni a, mitin tana pawisa
dahluh leh lakchhuah te awlsam
zawk leh chak zawka kal pui a ni a,
Bank dawrtu te leh Bank a pawisa
dah te tana an hamthatna buaipui
te hi a tum ber te zinga mi a ni.
National Strategy for
Financial Inclusion
2019-2024
He thil in a tum ber chu chak tak leh rang taka
financial inclusion kalpui, rampum economy
chawisan leh hmasawnna tluantling thlen te a ni.
Vision / Hmathlir
Universal Access to Financial Services:
Ram pum huapa mitin tan awlsam tak a kan
hman theih tur financial service pek.
Providing Basic Bouquet of
Financial Services: Financial Service a mitin te tana a tul ang te lak khawm
sak.
Access to Livelihood & Skill
Development: Eizawnna tlak thiamna
leh hmasawnna chhawp chhuah.
Financial Literacy and Education:
Financial lam kawnga mi tin zirtirna tha zawk pek te leh tih bengvar.
Customer Protection and Grievance
Redressal: Customer te humhim leh
an manganna leh lungngaihna te a rang thei ang bera sut kian
sak.
Effective
Co-ordination:
Sawt taka a thil tum te
leh programme te kalpui.
Mitin tana awlsam zawk leh
hautak lo zawnga financial service
pek, mitin tana pawisa dahluh leh
lakchhuah te awlsam zawk leh
chak zawka kal pui, Bank dawrtu
te leh Bank-a pawisa dah te tana
an hamthatna leh sum leh pai a an
hlawkna tur chawpchhuah sak.
A CHHUNG THU AWM TE
Abbreviations Chapters I. Introduction (Thuhmahruai) 07
II. Cross Country Analysis and Lessons 10
III. Status of Financial Inclusion in India 13
IV. Strategic Objectives (Tih tur hmachhawp) 18
V. Recommendations 23
VI. Measurement of Progress of Financial Inclusion 25
VII. Conclusion 32
Bibliography 33
APBS Aadhaar Payment Bridge
System AEPS Aadhaar Enabled Payment
System AFI Alliance for Financial Inclusion ANBC Adjusted Net Bank Credit ATM Automated Teller Machine APY Atal Pension Yojana BC Business Correspondent BLBC Block Level Bankers
Committee BSBDA Basic Savings Bank Deposit
Account CBSE Central Board of Secondary
Education CBK Central Bank of Kenya CCC Certified Credit Counsellors CDD Customer Due Diligence CFL Centre for Financial Literacy CGAP Consultative Group to Assist
the Poor CKYC Registry Central Know Your Customer
Registry CMPFI Committee on Medium Term
Path on Financial Inclusion CONAIF National Council for Financial
Inclusion CSC Common Service Centre CTS Cheque Truncation System DAY Deendayal Antyodaya Yojana DAY-NULM Deendayal Antyodaya Yojana-
National Urban Livelihood Mission
DBT Direct Benefit Transfer DCC District Consultative
Committee DCCB District Central Co-operative
Bank DDU-GKY Pt. Deen Dayal Upadhyaya
Grameen Kaushalya Yojana DFS Department of Financial
Services
DLRC District Level Review Committee
FAME Financial Awareness Message FLC Financial Literacy Centre FIAC Financial Inclusion Advisory
Committee FIF Financial Inclusion Fund FIP Financial Inclusion Plan FSDC Financial Stability and
Development Council GCC General Credit Card GPFI Global Partnership for
Financial Inclusion G2P Government to Person IBA Indian Banks’ Association IFI Index of Financial Inclusion IIBF Indian Institute of Banking and
Finance IMF International Monetary Fund /
Insurance Marketing Firms IMPS Immediate Payment Service INFE International Network for
Financial Education IPPB India Post Payments Bank ISP Insurance Service Provider IR Insurance Repository IGNOAPS Indira Gandhi National Old
Age Pension Scheme ICT Information and
Communication Technology IRDAI Insurance Regulatory and
Development Authority of India
JAM Jan Dhan- Aadhaar-Mobile KYC Know Your Customer LDO Lead District Officer LWE Left Wing Extremists MIS Management Information
System
List of Select Abbreiations
MGNREGA Mahatma Gandhi National Rural Employment Guarantee Act
MoF Ministry of Finance MSME Micro, Small and Medium
Enterprises NACH National Automated Clearing
House NAMCABS National Mission for Capacity
Building of Bankers for Financing MSME Sector
NABARD National Bank for Agriculture and Rural Development
NEFT National Electronic Fund Transfer
NER North Eastern Region NCFE National Centre for Financial
Education NFIS National Financial Inclusion
Strategy NPCI National Payments
Corporation of India NGO Non-Government
Organisation NPS National Pension System NRLM National Rural Livelihoods
Mission NSFI National Strategy for Financial
Inclusion NULM National Urban Livelihoods
Mission NWR Negotiable Warehouse
Receipts OECD Organisation for Economic
Cooperation and Development
PACS Primary Agricultural Co-operative Society
P2B Person to Business P2P Person to Person/ Peer to
Peer P2G Person to Government PCR Public Credit Registry PMEGP Pradhan Mantri Employment
Guarantee Programme PMKVY Pradhan Mantri Kaushal Vikas
Yojana
PMJDY Pradhan Mantri Jan Dhan Yojana
PPF Public Provident Fund PB Payments Bank PMJJBY Pradhan Mantri Jeevan Jyoti
Bima Yojana PMMY Pradhan Mantri Mudra Yojana PMSBY Pradhan Mantri Suraksha
Bima Yojana PFRDA Pension Fund Regulatory and
Development Authority PSGIC Public Sector General
Insurance Companies RoC Registrar of Companies RTGS Real Time Gross Settlement RXIL Receivables Exchange of India RBI Reserve Bank of India SC Scheduled Caste ST Scheduled Tribe SEBI Securities and Exchange Board
of India SFB Small Finance Banks SIDBI Small Industries Development
Bank of India SLBC State Level Bankers’
Committee SME Small and Medium Enterprises SPV Special Purpose Vehicle SRLM State Rural Livelihoods
Mission TGFIFL Technical Group on Financial
Inclusion and Financial Literacy
TReDS Trade Receivables Discounting System
UFA Universal Financial Access UIDAI Unique Identification
Authority of India UNSDG United Nations Sustainable
Development Goals UPI Unified Payments Interface USSD Unstructured Supplementary
Service Data WDRA Warehousing Development
and Regulatory Authority
NATIONAL STRATEGY FOR FINANCIAL INCLUSION
I.1 Tunlai khawvelah hian Financial Inclusion hi a pawimawh chho telh telh a, ei leh bar,
sum leh pai a min ti thangtu pawimawh tak leh a kawng awmchhun a ngaih theih hial a ni
ta a. Rampum huap a retheihna sukiangtu pawimawh tak a ni bawk a ni. Thalaite leh a
mamawhte tan hnaruakte a chhawpchhuah sak a, pawisa peipunna kawngah leh pawisa
khawl lamah te nasa takin min pui a ni. Financial Service tha tel lo hi chuan company leh
mimal dawr neite pawhin mahni sum liau liau a sum hlawm te an ngaihtuah a ngai dawn
tihna a ni a, a nih loh vek pawhin kan ram dan ina a phalloh mimal sum te pung tam tak in
an puk a ngai dawn a ni. Financial Inclusion hian hmasawnna tluantling, huapzau zawk leh
sum leh pai a mitin ten hma kan sawnna kawngah nasa zawkin min pui a ni.
I.2. Financial Service tha tak kan dawn hian chiang takin Financial Inclusion in sum leh
pai kawngah te min ti thangduang tih hi a ti lang chiang emem a, kan pawisa lak luh
kawngah te mai bakah retheihna umbo kawngah te ram pumpui hi min tanpui a. A bik takin
hmeichhiate tan Financial Inclusion hian mipa te nena kan dinhmun inthlau te pawh a ti zia
awm a, mitin intluktlanna te a thlen thei dawn a ni. Hmeichhiate hi kan intodelh a nih phawt
chuan mahni chhungkua theuhah bul tanin khawvel nghawng thei tur khawp hmasawnna
kan thlen thei a ni. Financial Inclusion hi hmaih palh a nih chuan a nghawng tur hrang hrang
te tarlang ila:
Figure I.1 Financial Exclusion in a nghawng tur
I Thuhmahruai
Lack of Surplus: Income-Sum lakluh tur a
tlem sawt ang
Not suitable to customer’s
requirements: Customer te mamawh Bank in a phuhru zo
lo ang.
Lack of requisite documents:
Documents tul leh pawimawhte hmuh tur a
vang ang.
Lack of awareness about the product:
Financial system hriatna kawngah nasa takin a
nghawng ang.
Lack of trust about the system:
Inrel bawldan leh kalhmang rintawk lohna.
High transaction cost: Insumdawn tawnna man
a nasa takin a pun phah ang.
Remoteness of service provider:
Service provider te nena inbiak pawhna a ti harsa
zual ang.
Poor quality of services rendered:
Service pekchhuah te a nep phah ang.
Introduction 1
I.3 Khawvel sorkar hrang hrang inzawmkhawm leh thil ti thei bera chhal, United Nations
Organisation (UNO) chuan Financial Inclusion hi sum leh pai kawnga hmasawnna tluantling
kan neih theihna tur Goal pawimawh berah a dah a. United Nation in kum 2030 a
”Hmasawnna Tluantling” khawvelin kan neih theihna turin Sustainable Development Goals
(SDG) 17 lai a duan chhuah zinga Pasarih1 (7) chuan Financial Inclusion hi khawvel puma
retheihna umbo kawngah leh ram in relbawlna atan a ram hrang hrangte tana pawimawh
tak ah a ngai.
Financial Inclusion India Ram mil a Sawifiahna
I.4 Financial Inclusion awmzia ber chu awlsam tak leh hautak lo taka financial service
mitin hnena pek a ni a, a bik takin mi harsa zual te tana awlsam zawka pawisa puk leh pei
pun kawngah te kawng hawnsak a ni. Financial Inclusion hian pawisa khawl lamah te nasa
taka min puitu a ni bawk a, mitin ten bank hi hmasawn nan a kan hman theih dan tur min
chhawp chhuah sak a ni. Committee pawimawh tak pakhat Medium Term Path to Financial
Inclusion Committee (Chairman : Shri Deepak Mohanty , RBI 2015) chuan Financial
Inclusion Committee hmathlir pawimawh taka a ngaih chu Bank huamchhung a Service chi
hrang hrang te , pawisa khawl, pawisa puk, pawisa pei pun te, insurance leh pension te a
ni. Hemi bakah hian kuthnathawktute leh mi harsa zual te hmasawn na atan a sum puktir
leh an dinchhuahna tur ngaihtuahsak hi a tum ber a ni.
Financial Inclusion Strategy - Bihchianna
I.5 India ramah hian Financial Inclusion than nan a nasa taka hmalak a nih mek lai hian,
tan lakna tur tamtak a la awm teuh awm e, entirnan financial service hrang hrang te hi mi
nawlpui tana hriat kim vek theih a nih loh ang chiah hian kan hrilh hriat peih te a tul hle dawn
a ni. Financial Inclusion in a a tum ber awlsam tak leh hautak lo taka financial service mitin
hnena pek te, mitin tana pawisa dahluh leh lakchhuah awlsam leh chak zawka kal pui te,
bank dawrtute leh bank a pawisa dah te tana an hamthatna buaipui te hi nasa lehzual a kan
kalpui angai a ni.
1 Eliminating extreme poverty; Reducing hunger and promoting food security; achieving good health and well-being, promoting gender equality; promoting sustained, inclusive and sustainable economic growth, full and productive employment and decent work; building resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation; reduce income inequality within and among countries. See https://www.un.org/sustainabledevelopment/sustainable-development-goals/
2 National Strategy for Financial Inclusion 2019-2024
Figure I.2- Inclusion, Literacy and Grievance Redressal
1.6 India rama Bank hrang hrang leh a zavai a kaihruaitu Reserve Bank of India (RBI) in
Financial Inclusion Advisory Committee hnuaiah The National Strategy for Financial
Inclusion for India 2019-2024 hi an duan chhuah a ni a. Financial Inclusion hi duan chhuah
a nih theih nan hian Sorkar laipui mai bakah Securities & Exchange Board of India (SEBI),
Insurance Regulatory and Development Authority of India (IRDAI) & Pension Fund
Regulatory and Development Authority of India (PFRDA) te hian hma an la a ni. He PLAN
hi a phuisui theihna turin National Bank for Agriculture and Rural Development (NABARD),
National Payments Corporation of India (NPCI), Commercial Banks and Corporate
Buisiness Correspondants te hian nasa takin an pui bawk a ni.
Financial
Inclusion Policies:
Financial Inclusion thil
tum leh hmachhawpte
Financial
Inclusion Triad:
Financial Inclusion
kalphung
Customer Grievances
Redressal Framework:
Customer te humhim leh
an manganna leh
lungngaihna te a rang
thei ang bera sut kian
sak
Financial Literacy
Initiatives:
Financial lam kawnga
mi tin zirtirna tha zawk
pek te leh tih bengvar
Introduction 3
II.1 Financial Inclusion hi khawvelin Sum leh pai kawnga hmasawnna tluantling kan neih
theihna tur a pawimawh berte zingah a pawm ta a ,United Nations Sustainable Develepment
Goals (SDG’s) ‘’ Hmasawnna Tluantling” khawvelin kan neih theihna turin Goals 17 lai a
duan chhuah zinga Pasarih (7) chuan Financial Inclusion hi khawvel puma retheihna umbo
kawngah leh ram in relbawlnan a ram hrang hrang te tan a pawimawh takah a ngai. Kum
2020 ah khawvel ram hrang hrang te chu he Financial Inclusion hi ti hlawhtling ngei tura
hmalak a ni a, (Universal Financial Access 2020,2018) in a tum chu puitling leh kum upa
lam Bank dawr thei lo te pawhin a Bank ah Savings account te an hawn a, pawisa te an
vawn emaw an khawl a, pawisa midang account ah te an transfer ve emaw, awlsam taka
an lakchhuah ve theihna turin a ni. World Bank Group hma lakna zarah mi tluklehdingawn
sang khat lain awlsam takin Bank ah sum an vawn theih phah a ni. Heng te bakah hian mi
nawlpui leh mimal te insumdawn tawnna te pawh a ti zia awm a ni.
II.2 Khawvel ram hrang hrang ten inkaihhruai na dan hrang hnuaiah Financial Inclusion
ti hlawhtling ngei tur hian hma an la a, ram inrelbawl dan leh ram dinhmun te a hrang ang
bawk hian ram dang tih dan zawm in kan kal ngawt thei lo a, hemi avang hian Financial
Inclusion hi mahni ram mil a her rem zel a ni. India ramah chuan tan lakna tur tam tak ala
awm teuh awm e, entirnan financial service hrang hrang te hi mi nawlpui tan a hriat kim vek
theih a nih loh ang chiah hian a thawk ten taima taka kan hrilh hriat te a tul hle dawn a ni.
II.3 Financial lam kawng a mi tin zirtirna tha zawk pek te leh tih bengvar hi National
Financial Inclusion Strategy (NFIS) chuan a ngai pawimawh hle a, Khawvel ram hrang hrang
ram 35 (sawmthum panga ) Brazil, China, Indonesia ,Peru ,Nigeria leh ram dang te chuan
NFIS thanna tur hian hma an la ve mek a ni. Heng ram 35 (sawmthum panga) NFIS thanna
tur a hma la mek te bakah hian ram dang NFIS kalpui tawh te an awm bawk a, chu ta
pawimawh zual te chu tawi te in han sawi leh ila.
II Cross Country Analysis and lessons
4 National Strategy for Financial Inclusion 2019-2024
Leadership / Inkaihhruaina tha
II.4 He Financial Inclusion ti hlawhtling tur hi chuan hmathlir thui tak neih a ngai a, he
policy in a a hmachhawp te mai bakah a thiltum te hi kan hriatchian hle a tul a, sawt zawnga
thil tum te kalpui angai bawk a ni.
Target Based Approach / Tum Mumal nena hmachhawn
II.5 A tlangpuiin Financial Inclusion in a bi tum thin chu lo nei tute leh kut hnathawkte
tana dinchhuahna tur hmachhawp siam sak hi a ni. Ruahmana felfai tak siama, uluk takin
hmasawnna kawng te hi kan thlithlai tur a ni.
Regulatory Framework / Dan Mumal tak siam
II.6 Dan mumal tak hnuaiah Financial Inclusion hi kalpui tur a ni a, Bank hi customer te
hamthatna tur zawnga kal pui ngei tur a ni bawk a, Dan mumal tak zawm tur kan tih rual
hian inkaihhruaina Dan hi fel lo lai a awm a nih chuan thlak mai tur a ni.
Market Development
II.7 Bank kalphung in a a tum ber chu mi tam thei ang ber te dawr theih tura awm hi a ni
a, thingtlangah te Bank Branch thar te hawn belh zel a ni a, hei hian kawng tam takin mi tin
te hnenah hamthatna leh hmasawnna a thlen dawn a ni. Hmasawnna leh Bank chu thil
inlaichin tlat a nih ang in, Bank hawn belh zel anih rual hian Bank hnawthawktute pawhin
an thiamna te mipui tan an hlan theih phah a ni.
Strengthening Infrastructure
II.8 Credit, receipt, payment infrastructure te hi eco-system tih hmasawn nan leh a tam
thei ang ber pawisa note hman ngailo (cashless) tur atan a kan tih makmawh a ni a. A rintlak
tawk hle tur a ni a, national Level Identification a nei ngei tur a ni. Mipui ten a awlsam taka
an hman theih tur leh transaction chhui let nan pawha awlsam tur a ni. Heng transaction ah
te hian risk a sang tur a ni lo a, a him tawk tur a ni a chu chuan customer/mipui te ah hman
zawk duhna, duh thlanna zau tak a pe dawn a ni. Chu chuan nasa takin kan ram kalphung
a siam tha dawn a ni.
Cross Country Analysis and Lessons 5
Last Mile Delivery
II.9 Ram leh ram in dawr tawn nan te leh in mipui in sumdawn tawna te awlsam leh
zangkhai zawk a kalpui a nih theih nan ram hrang hrang ah Last Mile Delivery hi hman a ni.
Mipui te leh Bank dawr tur te tan hun leh tha sengin Service provider pan buai a ngai lova,
bungraw thawnchhuah chungchangah te, service chungchangah te hei hian nasa takin a
pui a ni.
Innovation & Technology
II.10 Tunlai hmasawnna leh thiamna thang chak tak hian kan nunphung engkim mai
Banking, Insurance, Stock exchange te hi computer thiamna hmanga awlsam taka thawh
theih a lo ni ta zel a, kawng tam takin Bank dawr tute pawh a pui thei dawn a ni.
Amaherawhchu customer te zingah Smart phone hmang thiam lo te pawh an awm thina,
chuvang chuan Bank a thawk te pawhin technology khawvel leh a hmang ve thiam lo te
pawh hawihawm takin kan dawnsawn thiam hi a pawimawh hle a ni.
Financial Literacy and Awareness
II.11 Khawvel ram changkang zelah customer ten an chanvo te an hriat belh zel a,
chutiang ang bawkin Financial lam kawng a mi tin zirtirna tha zawk pek te leh tih bengvar hi
he Policy in a a thil tum pawimawh ber te pawh kan ti thei awm e. Customer in Bank
kalphung te leh Bank policy hrang hrang te a hriat chuan a tan a awlsam phah dawn em em
a, chutihrual chuan Bank tan pawh hmasawnna duhawm zawk a thlen thei a ni.
Consumer Protection
II.12 Bank dawrtu te humhim leh an account himna te hi kan ngaihtuahsak tlat tur a ni a,
an harsatna leh an lungawilohna te a rang thei ang ber a sut kian sak tur an ni. Computer
thiamna leh a kaihhnawih hmanga awlsam taka thil thunun theih a nih avangin Bank
hmang tute himna ngaihtuah hi kan tih makmawh a ni.
Monitoring & Evaluation
II.13 Financial Inclusion hmasawnna te leh a kalphung hi endik reng a tul hle a, tha taka
thlithlai a siam that ngai lai te siamthat zel anih chuan kawng tam takah hmasawnna tha
zawk min thlen thei dawn a ni.
6 National Strategy for Financial Inclusion 2019-2024
II.14 India ram economy than zel nan chuan Financial inclusion hi rahbi pawimawh tak a
ni, hmasawnna tluantling min thlen thei tur pawimawh tak pawh kan ti thei awm e. India
rama Financial Inclusion dinhmun te leh inkhaihruaina Dan chi hrang hrang pawimawh te
kan thai lang leh ang a.
Cross Country Analysis and Lessons 7
III Status of Financial Inclusion in India India rama Financial Inclusion dinhmun
III.1 India ram hi kan la rethei hle a, hemi avang hian he Financial Inclusion ruangam siam
tute pawh hian an thiltum ber chu retheihna um bo hi a ni.
III.2 Kum 1956 atang tawh khan India hian Nationalisation of Life Insurance Companies
in bul a lo tan tawh a, hemi hnu deuh kum 1969 hian mipui vantlang hman theih turin Bank
te chu mipui vantlang tan hawn a ni a, General National Insurance Company te pawh kum
1972 khan mipui vantlang hman theih tura chawp chhuah a ni leh a, India ramah hian
Financial Inclusion hian hma a sawn zel tih a ti chiang zual hle a ni.
III.3 A hmalam a kan tarlan tawh ang in India ram pawh hian ram hrang hrang te nen
inkungkaihna tha tak Banking khawvel ah hian a nei chho zel a, Global Partnership for
Financial Inclusion (GPFI) , Organisation for Economic Cooperation and Development
(OECD) ah te telin, India hi Indonesia leh United Kingdom ram te nen hian GPFI Sub-group
on Regulation and Setting bodies ah te a tel ani.
Leadership
III.4 He Financial Inclusion ti hlawhtling tur hi chuan hmathlir thui tak neih angai a, he
policy in a a hmachhawp te mai bawkah a thiltum te hi kan hriatchian hle a tul a, sawt zawka
thil tum te kalpui angai bawk a ni. National Mission hnuaiah Pradhan Mantri Dan Yojana
(PMJDY) te pawh August 2014 khan hawn a ni a, hemi hnuai ah hian ram mipui chhungkaw
tin ten Bank ah chhungkaw tin ten account an nei vek tur a ni.
III.5 Pradhan Mantri Dan Yojana (PMJDY) hnuaiah hian account 34.01 crore2 hawn a ni
tawh a, tun kum nga (5) chhung lek January ni 30,2019 thlenga chhiar in Rs. 89257 crore
deposit tawh a ni tawh hial a ni. Guinness World Record bu ah pawhin Pradhan Mantri Dan
Yojana (PMJDY) hnuaia karkhat chhung lek a hmasawnna hi ziah luh a ni ve a ni.
III.6 Pradhan Mantri Suraksha BIMA Yojana (PMSBY) hei hi Accidental Insurance niin
kum 18-70 inkar mi tu pawh Savings Bank account nei tan kum khatah Rs.12/- chauh pe in
Accident a thih palh pawhin Insurance Rs.2,00,000/- a neih theih a ni.
2 See https://www.pmjdy.gov.in/ : As on December 2019, 37.70 crore PMJDY accounts have been opened
8 National Strategy for Financial Inclusion 2019-2024
III.7 Tar chaklo te tan a hamthatna ni turin Atal Pension Yojana (APY) pawh hi duan
chhuah a ni a, Sorkar laipui chuan Bank a account vawngtu tar chaklo leh harsa te kum 60
chunglam tan thlatin Rs.1,000/- atanga Rs. 5,000/- hemi hnuaiah hian a dawn theih a ni.
Tum mumal nena hmachhawn na kawng hrang hrang te A. Micro, Small And Medium Enterprises (Msmes)
III.8 India ram sum in relbawlna kawng ah chuan MSMEs hi a hnuk pui ber pawh kan ti
thei awm e, in sumdawn tawnna ah hian khaidiat pawimawh tak a ni a, Gross Domestic
Product (GDP) ah hian 31% lai an chhung lut a ni. 45% lai an export bawk a hei hian kawng
tam takah mi tam tak tan eizawnna a hawn sak a ni. Bank dawrtu ten bank kan dawr na
kawnga hma kan sawn lehzual nan National Mission for Capacity Building (NAMCABS) te
pawh hawn belh a ni.
III.9 Chak tak leh Changkang leh zual a financial plan te kal pui a nih theih nan Certified
Credit Counsellors scheme te tih chhuah a hman a ni a, hei hian kawng tam takin
hmasawnna changkang zawk a thlen a ni.3
B. Agriculture III. 10 India ram a buh leh bal atanga kan thar chhuah hi GDP atanga chhut in zaa 15%
niin, kan ram in ram dang a kan thawn chhuah (export) atanga zaa 11% niin, loh nei a
eizawng hi India ram mipui zatve dawn an ni. Heti taka nasa a India ram sum dinhmun ah
awmzia a neih avang hian buh leh bal a eizawnna sum hmang a kan tanpui nasat hi a tul
hle a ni.
III. 11 Bank te chu lo neitute hnen a a pung awm loa pawisa cheng nuai 1 leh singruk (Rs.
1.6 lakh) thleng puktir theih tur a hriattir an ni a. Lo neituten awlsam zawk a an huan thlai
mamawh an leina tur atan Sorkar laipui chuan August 1998 khan Kisan Credit Card Scheme
(KCC) a lo siam sak tawh a. He schemes hian mi ram hawh a lo nei te, ram hawh man atana
buh leh bal pe thin te, ran vulhtu te leh sangha khawitu te pawh a huam vek a ni. He
schemes hi kum 5 chhung atan a hman theih a ni a, mahsela a hun chhung a ral hnu ah
hian a la tih nawn (renew) leh theih zel a ni.
3 See https://www.mudra.org.in/
Status of Financial Inclussion in India 9
C. Aspirational Districts
III. 12 District leh district te state leh state te inkar a hmasawnna thleng inthlau thin hi a
enfiah turin ‘Transformation of Aspirational Districts’ program January 2018 khan duan
chhuah a ni a. Hmalakna leh hmasawnna thleng te hi Sorkar Senior Offcials te’n an enfiah
thin a. An hmasawnna a zirin district huam chhung a tha zual deuhte chu thlan chhuah leh
thin an ni. He program hmang hian state 28 a district 117 State sorkarin a enkawlte chu tih
changtlun a tum bawk a ni.
Regulatory Framework (i) Banking
III.13 Banking in a a tum ber chu min dawr tute hamthatna tur leh himna tur a man man
tak leh dik taka sumdawnna kalpui a, kalphung dik lo leh felfai lo tam tak te lak a venhim leh
an dikna chanvo hailan.
III.14 RBI chuan Automated Teller Machine (ATM) tam thei ang ber hawn belh zel turin a
fuih a, Bank branch te thingtlang lam leh khaw kilkhawr deuhah te hawn belh zel anih theih
na turin hma a la a ni.
III.15 RBI chuan kum 2017 khan ecosystem tih hmasawn nan te Financial Inclusion Fund
(FIF) te a duanchhuak a ni.
III.16 Banking khawvel zauh zel anih theihnan RBI chuan banking licence chi hrang hrang
a ti chhuak a chung te zingah chuan Small Finance Banks (SFBs) leh Payment Banks te a
siam a ni. Heng te hi kuthnathawk te tan leh small scale industry (industry tenau tan a duan
a ni).
III.17 India Bank’s Accosiation (IBA) hnuaiah BC model te siamchhuah a ni a, hei hian a
hmangtu (users) te awlsam takin an transaction te a chhui tir thei dawn a ni. Hemi bakah
hian BC Certification course zirna te pawh hawn thar a ni a, India Bank’s Accosiation (IBA)
kaltlangin zir theih a ni.
10 National Strategy for Financial Inclusion 2019-2024
(ii) Insurance III.18 Insurance chi hrang hrang kan sawi te bakah hian, insurance in a a thil tum pawimawh
tak chu mitin te hnena a insurance4 thatna leh tangkaina te hrilhhriat a ni a, hei hian kawng
tam takin Insurance Bank te leh mipuite min pui dawn a ni.
III.19 Internet kaltlangin online a awlsam taka insurance policy chhiar tur te min
chhawpchhuah sak bawk a ni.
III.20 Insurance hnuaia hamthatna dawngtu (beneficiary) te chanvo humhim sak mai bakah,
Insurance Policy a rinna an nghah theihnan a tanlak hi a thil tih leh tum pawimawh te zinga
mi a ni.
(iii) Pension III.21 Pension Dan te khuahkhirh a, fimkhur taka kalpui anih theih nan National Pension
System (NPS) leh Pension Fund Regulatory and Development Authority (PFRDA)5 te chu
PFRDA Act ,2013 hnuaiah duan chhuah a ni a. NPS in a thil tum zinga mi chu tar chaklo te
hnena an hamthatna te hrilhriat a ni.
Market Development III.22 Bank kalphungin a a tum ber chu mi tam thei ang ber te dawr theih tura awm hi a ni
a, thingtlangah te Bank Branch thar te hawn belh zel a ni a, hei hian kawng tam takin mitin
te hnenah hamthatna leh hmasawnna a thlen dawn a ni. Sorkar laipuiin LPG Consumer te
tan Direct Benefit Transfer (DBT)6 scheme a kalpui a, he schemes hnuaiah hian Mipui ten
Gas market rate a leiin, a man tlawmna subsidy chu Consumer te Bank account ah sorkar
in a thun sak a ni. Direct Benefit Transfer hi January ni 1, 2013 ah hman tan niin, District 43
ah hman phawt a ni a chumi hnu a 78-district ah hman leh niin, Mahatma Gandhi National
Rural Employment Guarantee Act (MGNREA) scheme pawh DBT hnuaiah telh niin, District
300 ah kalpui a ni tawh a ni.
4 For more details see https://www.irdai.gov.in/ 5 See https://www.pfrda.org.in/ 6 See https://dbtbharat.gov.in/
Status of Financial Inclussion in India 11
III.23 Heng te bakah hian Jan Dhan Accounts, Aadhaar biometric ID & Mobile (JAM) hian
Direct Benefit Transfer ti hlawhtling tute an ni a, hei hian transaction langtlang leh him zawk
a thlen a ni.
Strengthening Infrastructure III.24 Credit, receipt, payment infrastructure te hi eco-system tih hmasawn nan leh a tam
thei ang ber pawisa note hman ngailo (cashless) tur atana kan tih makmawh a ni a. A rintlak
tawk hle tur a ni a, National Level Identification a nei ngei tur a ni. Mipui ten a awlsam tak a
an hman theih tur leh transaction chhui let nan pawha awlsam tur a ni. Heng transaction ah
te hian risk a sang tur a ni lo a, a him tawk tur a ni a chu chuan customer/mipui te ah hman
zawk duhna, duh thlanna zau tak a pe dawn a ni. Chu chuan nasa takin kan ram kalphung
a siam tha dawn a ni.
III.25 The Unique Identification Authority of India (UIDAI)7 hmalakna hnuaiah Unique
Identification/ AADHAAR duan a ni a, AADHAAR a number hmang hian mimal sumdawnna
a thil felfai lo leh dik lo tak a thil tih tum te vengin a chhui zung zung theih dawn a ni.
III26. Public Credit Registry (PCR) hian credit assessment te pawh a ti awlsam zual dawn
a ni.
III27. Pawisa lakchhuah kawnga harsatna sut kian nan RBI chuan Trade Receiveable
Discounting System (TReDS)8 guidelines te pawh a tichhuak a ni. India sorkar chuan
Company Crore 50 chuang te chu TReDS hnuai a in register ngei turin a ti a ni.
Last Mile Delivery
III.28 Ram leh ram in dawr tawnna atan te leh mipui in sumdawn tawnna te awlsam leh
zangkhai zawk a kalpui a nih theih nan ram hrang hrang ah Last Mile Delivery hi hman a ni.
Mipui te leh Bank dawr turte tan hun leh tha sengin Service provider pan buai a ngai lova,
bungraw thawnchhuah chungchangah te, service chungchangah te hei hian nasa takin a
pui a ni.9
7 See https://uidai.gov.in/ 8 See https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=3504 and https://www.rbi.org.in/scripts/FS_PressRelease.
aspx?prid=48405&fn=9 9 See https://www.ippbonline.com/
12 National Strategy for Financial Inclusion 2019-2024
Financial Literacy and Awareness
III.29 Khawvel ram changkang zelah Customer ten an chanvo te an hriat belh zel a,
chutiang ang bawkin Financial lam kawng a mi tin zirtirna tha zawk pek te leh tih bengvar hi
he Policy in a a thil tum pawimawh ber te pawh kan ti thei awm e. Customer in Bank
kalphung te leh Bank policy hrang hrang te a hriat chuan a tan a awlsam phah dawn em em
a, Bank tan pawh hmasawnna duhawm zawk a thlen thei a ni.
Consumer Te Himna
III. 30 Mipuite rawtna leh complain te rang tak a chhan letna turin Ombudsman Scheme
chu RBI, IRDAI leh PFRDA te hian an buatsaih a. Hei bakah hian Securities and Exchange
Board of India (SEBI) chuan complain leh rawtna te chhanna tur atan SEBI Complaints
Redressal System (SCORES) a siam bawk.
Chona Leh Hmasawnna Awm Thei Te
III. 31 Nasa takin financial inclusion lamah tan la mah se he scheme hman tak takna
kawngah hian harsatna leh a enkawl zui kawngah buaina neuh neuh te a lo awm ve leh thei
thin a. Chutiang ang harsatna thenkhatte chu han tarlang ila.
1. Hmanraw indaihlohna: Bungraw indaihlohna te, in kalpawhna kawng tha tawk lo te,
thawktu training dawn that loh vang te, etc. Tin, Himalaya hmun thenkhat leh
hmarchhak lam a chengte’n he scheme/service hman kawngah hian harsatna an
tawk thin a ni.
2. Internet signal tha lo: Tunlai khawvel ah internet kaltlang a kan pawisa te kan
khawih chet tawh lai hian internet signal awm that lohna hmun a awm te chuan he
scheme hman kawngah hian harsatna an tawk mek a, tunlai thiamna hi financial
service hman kawng a kailawn pawimawh tak anih laiin, signal awmlohna hmun a
cheng te chuan harsatna an tawk mek thung a ni. Fintech company hi he harsatna
sukiang thei tur khawp a rintlak an ni a, hmun karkik leh internet signal awm thatlohna
hmun te hi ramchhung hmun dang ami te nen a an in dawr ve theihna tur atan a
hmalak hi a pawimawh a ni.
Status of Financial Inclussion in India 13
3. Remchanna leh awlsamna: He scheme a digital finance service hman dan hi a kual
deuhin customers te tan han hriatthiam mai awlsam loh chang a awm thin a, hei hian
a hmangtu turte ah remchanna leh awlsamna a thlen loh zawkna tam tak a awm a.
Hemi vang te hian customers thenkhat te’n harsatna an tawk ve leh thin a ni.
4. Hnam zia leh kalphung avanga buaina: Hmun thenkhatah chuan hnam zia leh
tihdan avanga financial service hman a harsatna hmun te a awm a. Khawvel a
changkan tawh viau laiin hnam zia leh tihdan avanga hmeichhia te’n financial service
an hman ve theih miah lohna hmun te pawh a la awm ve bawk a ni.
5. A hman chhuah dan: He service hmang hian insurance tenau deuh leh pension te
pawh khawih tel tawh a ni a. Nimahsela, service provider te tan a sevice rintlak tak
leh tha tak nei turin chuan he service hmang a customers te hamthatna dawn dan
tur hi ngaihtuah a tul hle a ni. Hemi ti hlawhtling tur chuan mipui vantlang hnenah
digital hmang a pawisa thawn leh dawn dan zirtir te, in hrilh hriatna (awareness) neih
te, customer te himna ngaihtuah, etc. te hi tih makmawh a ni.
6. Pawisa pek leh dawn: Tun dinhmun a kan hman mek pawisa pek leh dawn na CTS,
AEPS, NACH, UPI, IMPS, etc. te hi National Payments Council of India (NPCI) hnuai
a awm vek an ni a. Hengte bak hi financial service tha zawk nei tur leh inel turin kan
la mamawh belh a, chu chuan financial service rintlak tak a rahchhuah tir ngei a
beiseiawm.
14 National Strategy for Financial Inclusion 2019-2024
Financial Services ban phak, awlsam, man tlawm leh lang tlang siam
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IV Tih tur hmachhawp
Fig IV.1- National Strategy for Financial Inclusion (NFSI) tih tur hmachhawp
Financial service tha tak neih theihna tur atana hmachhawo te chu a chung a ziah lan te
hi a ni a. Kan tum ber Financial service tha nei tura hmachhawpte leh rawtna chu
chipchiar takin ziah lan a ni a.
Strategic Objectives 15
Mipui ten awlsam taka an pawisa dah an khawih chet theihna tur siam hi NFSI thil tum
pawimawh ber te zing ami a ni a. Kum 2014 khan PMJDY scheme kaltlangin mipui ten an
sum dahte an khawih theih dan tur hi nasa taka tih pun a ni a, chuitihrual erawh chuan India
ram hmar chhak te leh hmun kilhawr deuh ah te erawh chuan hmalakna tur a la tam hle a
ni.
RAWTNA
Mipui ten awlsam taka an pawisa dah an khawih chet theihna siam tur erawh chuan
internet signal chak tha tak kan dah a tul hle thung a, hei hian awlsam takin digital
hmang a indawrna a thlen phah thei dawn a. Hemi mai bakah hian RBI thawhpui bank
dang te, Payment Banks, Small Finance Banks te, dawr lian ah te, Common Service
Centre (CSC), zirna in, etc. ah he service hi hman theih tura kan dah a tul hle a ni.
CHET LAK DAN TUR LEH HNUHMA TE
Scheduled Commercial Banks /Payments Banks/ Small Finance Banks ah te khaw
mipui ten awlsam tak a bank an dawr theihna tur 5km huam chhungah March
2020 hma in siam tum a ni.
Bank dawrtu chi hrang hrang suppliers, distributors, customers te hnenah digital
finance service hi Tier II atanga Tier IV centre ah te Mach 2022 hma in tih tum a
ni.
Mobile application hmang a mahni awmna hmun atanga customer ten awlsam tak
a service provider-te an dawr theih mai na tur in March 2024 hma a tih tum a ni.
A tam thei ang ber ah digital hmang a dawr theih turin March 2024 hma in peihfel
tum a ni.
IV. 1 Mipui Te’n Awlsawm Taka An Pawisa Dah An Khawih Chet Theihna Tur
Khaw tinah mipui ten an pawisa dahthat te an khawih chet theihna tur hmun 5km bial ah
a awm ngei tur a ni a. Hemi dawrtu te chuan awlsam taka digital hmang a an dawr theih
dan tur leh lehkha hman tlem theih dan ber (paperless) a dawr dan tur ngaihtuah tur a
ni.
16 National Strategy for Financial Inclusion 2019-2024
National Mission for Financial Inclusion hnuaiah chuan Pradhan Mantri Jan Dhan Yojana
(PMJDY) hmalakna te kalpui a ni a, chhungkaw tin ten Bank ah account an vawn vek
theihna tura ruahhman a ni. Amaherawhchu insurance, pension, credit te customer te tan a
a pawimawhna te leh awlsam tak a hman a nih theih na turin Bank account neitute kan
hrilfiah a an hriatfiah hi a tul hle a ni.
RAWTNA
Financial Service tha tak nei thei tur chuan loan, insurance, mutual fund leh financial
product dang te awlsam zawk a digital hmang a customer ten an hman theih dan tur
te, lehkha hman tlem theih dan ber (paperless) a mipui tam zawk ten bank an dawr
theihna’n a hma lak a ni. Bank awm ve loh na khua atang pawh a awlsam taka dawr
theih ni tura ruahmanna siam te pawh a tel bawk a ni.
CHET LAK DAN TUR LEH HNUHMA TE:
India khua leh tui kumtling tawh te tu pawh PMJDY hnuaia in register te, thalai
hna hmu thar te pawh a huam tel a Insurance scheme PMJJBY, PMSBY leh
insurance scheme dangte a in register duh te, pension scheme hrang hrang
entirnan NPS, APY leh pension scheme dangahte March 2020 ral hma in a duh
apiangte in register fel tir.
Awlsam taka BC networks te institution tin tan March 2020 ral hma a hman a
nih theihna tur a hma lak a ni.
Public Credit Registry (PCR) te Bank tinin March 2022 hma a hman theih vek
tum a ni.
IV .2 Financial Service Kawnga Mipuite Mawmawh Hmasaturte Duanchhuah
India khua leh tui tu pawh a duh apiang tan a Banking lam a an mamawh hmasa te
hrilhhriat, heng te hian Savings Bank Deposit Account ah te leh credit, micro life and
non–life, insurance product, pension product te leh investment product te a huam a ni.
ni.
Strategic Objectives 17
Khawvel ram hrang hrangah pawh kan hmuh ang in, Bank hian mipui te dinchhuahna atan
hian nasa takin a pui thei a, hei hian retheihna te a tih tlem phah dawn a ni. Sorkar leh Bank
te an thawhhona zarah hian mipui te hian hlawkna an tel phah thei tih hi chiang tak a hmuh
a ni.
RAWTNA
Hmasawnna tluantling nei thei tur chuan kawng tinrenga hmalakna tha neih a
pawimawh dawn a, programme tha tak tak National Rural Livelihood Mission (NRLM),
National Urban Livelihood Mission (NULM), Pradhan Mantri Kaushal Vikas Yojana
(PMKVY) leh State chhunga livelihood programme dang te pawh mipui te hrilhhriat a
pawimawh hle a ni. Hei hian Financial system kawngah nasa takin sum che vel ah te
hmasawnna a thlen dawn bawk a ni.
CHET LAK DAN TUR LEH HNUHMA TE:
Skill development programme hrang hrang National Rural Livelihood
Mission(NRLM), National Urban Livelihood Mission(NULM),Pradhan Mantri
Kaushal Vikas Yojana(PMKVY) leh State chhunga livelihood programme hrang
hrang te hi Bank account hawn rualin a duh apiangte in register theih nan atan a
chhawpchhuah tur a ni a. Thalai hna nei lo te leh hmeichhia te Skill Development
hrang hrang hnuaia training duh tan March 2020 hmaa peih fel tum a ni.
Financial lam kawnga mi tin zirtirna tha zawk pek te leh tih bengvar hi Bank mai
bakah NGO leh Self-Help Group (SHG) dangte’n mitin te an hrilhhriat a ngai a,
National Skill Development chuan March 2022 hmaa tih hlawhtlin a tum a ni.
IV 3. Access to Livelihood and Skill Development- Eizawnna tlak thiamna leh
hmasawnna chhawp chuah
Hmasawnna duh te tan a sorkar scheme hnuaia an hamthatna tur te kawhmuh mai bakah
programme hrang hrang te hrilhriat tur a ni. Hei hian eizawnna tlak mipuite a siamsak
mai bakah Bank tan pawh hlawkna a thlen thei dawn a ni.
ni.
18 National Strategy for Financial Inclusion 2019-2024
India sawrkar laipui, Reserve Bank of India leh mawhphurtu hrang hrangten nasa taka hma
an lak avangin hmun hrang hrangah bank dawr leh a kaihhnawih dangte tih theihna hmun
a pung chho mek a. Heng kawngah hian Financial Literacy hi mipuiten an account te
anmahni hamthatnan leh khawsak phung nuamsa zawk an lo neih theih phah nan a tangkai
dawn a ni.
A tir lamah bank-te kaihhruaina hnuaia bul tannin, financial literacy hi mi tam zawkten
mawhphurna an lakna, hmalakna lian takah a lo chang chho ta a. Heng hmalaknate hmang
hian a mamawhtute hnenah financial literacy hi zirtira kaihhruai chhoh zel an ni.
Rawtna:
Financial Literacy leh zirna tehi kan rama pawisa virvel tihtamna tur leh sum leh paia
ngialnghehna thlentu tur a nih avangin chatlak lova hmalak zel a pawimawh a. SLBC/
DCC/ DLRC hmanga hmalakna awmsa bakah RBI, NABARD, NRLM resource persons,
NGOs, PACS, Panchayats, SHGs, Farmers’ Clubs leha dangte hmanga a bulthum
atanga hmalak chhoh zel tura rawtna hi siam a ni.
Hma lak dan tur leh mel lungte:
National Centre for Financial Education (NCFE) hmanga Financial Literacy
zirna hrang hrang audio, video leh lehkhabu te siam a, heng zirna te hian
naupang, thalai, hmeichhia, hna bul tan mek te leh kum upa zawkte thlenga
hriatthiam theih tura March ni 21 hmaa siam.
Hmalak hun chhung (2019-2024) chhunga Digital Kiosks leh Mobile apps-te
hmang thei tura he thil awmzia leh a nihna tak mipuiten an hriatthiam theihna
tura awmze nei taka kaihhruai.
Ram chhung kil tin ban phak tura Centers for Financial Literacy (CFL) te
hmalakna huamchhung March 2024 hmaa tih zauh.
IV.4. Financial Literacy leh Zirna
Awlsam taka hriatthiam theih Financial Literacy modules hrang hrang, tute emaw kawh
bik neia (entirnan, naupang, thalai, hmeichhia, hna bul tan mek te, chhungkaw
enkawltute, hna chawlhsan tep tawh te, chawlhsan tawhte leha dangte), audio, video leh
lehkhabu hmang tea a awmzia leh kalphung hrilhhriatna. Heng kawngte hi helam kawnga
ke rawn pen tante kaihhruai nan a hman theih ang. ni.
Strategic Objectives 19
Customer te an pun zel avang leh Computer khawvel ah Digital hmang a suahsualna a pun
zel avangin fimkhur a tul hle a, midang bank account hack sak te, virus thehdarh a midang
bank account tihchhingpen te thlengin a hluar ta hle a, hengte vang hian customer te privacy
humhim anih theihna’n hma lak a pawimawh hle a ni.
RAWTNA
Transaction ah te hian risk a sang tur a ni lo a, a him tawk hle tur a ni. Hei hian
customer/mipui te ah hmang tur a duhthlanna zau zawk a pe dawn a ni. Hei bak ah
hian Financial system hrang hrang a tam em avang te hian Customer te’n awlsam tak
a an harsatna an thlena tur siam ngei a tul bawk a ni.
CHET LAK DAN TUR LEH HNUHMA TE:
Customer/ mipui ten harsatna awlsam taka an thlen na tur phuisui zawk
buatsaih sak leh an harsatnate rang tak a sutkiansak a nih theihna’n a hmalak.
March 2021 hma a customer te’n an harsatna awlsam zawk a an thlen theihna
tur mobile app siam chhuah.
Banking, insurance, securities leh pension ah te customer te tana a thlawna
biak theihna (Toll- Free Helpline) March 2022 hma a hman theih tur a
chhawpchhuah.
Thawhhona tha zawk neih theihna tur ruahmanna March 2022 hma a peih fel
tum a ni bawk a ni.
IV.5 Customer Protection & Grievances Redressal
Customer te humhim leh an manganna leh lungngaihna te a rang thei ang ber a sutkian
sak hi tih makmawh a ni a, hemi bakah hian an himna atan a kawng kawhhmuh te leh
an buaina te chinfel sak an nih theihna’n a kawng awm te kawh hmuh zung zung tum a
ni.
20 National Strategy for Financial Inclusion 2019-2024
Financial Inclusion hman a nih hnu hian India chuan hma a sawn pui hle a, Sawt zawkin
programme te pawh kalpui zel a ni a, bank a pawisa dahkham pawh an pung zel a ni.
Telecom Service Provider leh Fin –Tech company te pawhin financial inclusion than zel na
tur hian ruahmanna an siam a ni.
RAWTNA
India ram chu hnam chi hrang hrang, sakhaw in ang lo leh ei leh bar ah pawh State
hrang hrang te inthlau tak a nih avang hian , he policy duangtute pawh hian mitin
mamawh phuhruk a nih theih nan tan a la nasa hle a, SLBC/DCC/BLBC ten en pawh
thawk hoin local level a awlsam tak a digital hmang a Bank a programme hrang hrang
te hman a nih theih nan hian hma a la a ni.
CHET LAK DAN TUR LEH HNUHMA TE:
Sawt tak a programme hrang hrang te kalpui a nih theih nan a bul thut atangin
tan lak a ngai a. Sorkar, Regulator, Financial service provider, Khaw chhunga
mipui ten nen thawhhona tha tak neih a ngai a ni. NSFI hun chhung (2019-
2024) hian mipui vantlang in programme hrang hrang te awlsam zawk a an
hman theih tur a chhawpchhuah tum a ni.
Digital khawvel hmasawnna mil in Bank a programme hrang hrang pawh
awlsam tak a mipui tana hman a nih theihna turin Geo- Spatial
InformationTechnology te pawh hman tum a ni a, hemi hmang hian Bank a
transaction te a chhui theih anga, Financial Inclusion scheme hnuaiah chuan
India rama District mamawh tak te hnenah te March 2022 hma a buatsaih tum
a ni.
IV.6 Effective Coordination
Sawt tak a programme hrang hrang te kalpui tur chuan Sorkar, Regulator, Financial
service provider, Telecom Service Regulators, Skills Training Institute hrang hrang te
nen a inzawmna te tih ngheh a ngai dawn a ni, inzawmna tha a awm phawt chuan
customer te tan pawh awlsam takin service hrang hrang hi a hman theih dawn a ni. Ram
leh ram indawr tawn nan te leh mipui in sumdawn tawnna ah te awlsam leh zangkhai
zawk in a pui dawn a, mipui te leh Bank dawr tur te tan hun leh tha seng in Service
provider pan buai ngai lovin, bungraw thawnchhuah chungchangah te, service
chungchangah te awlsam takin a tih theih dawn a ni
Strategic Objectives 21
V RAWTNA
A hma lam a kan thailan tak Bank programme hrang hrang te leh Financial Inclusion in a
thil tumte tawite in kan tarlang leh ang a, Inkaihhruaina tha hnuaiah chuan Financial
Inclusion hian ram pum huap a hmasawnna a thlen a ni.
V.1 Universal Access to Financial Services
Mitin tan a awlsam zawk leh hautak lo zawng a financial service pek, mitin tan a
pawisa dah luh leh lakchhuah te awlsam zawk leh chak zawka kal pui, Bank dawrtu
te leh Bank a pawisa dah te tan a an hamthatna leh sum leh pai a an hlawkna tur
chawpchhuah a nih theih nan Digital service te kan uar a kan hman thiam a
pawimawh hle a ni. Bank hrang hrang ten ATM te an bun belh zel a ngai a ni.
Bank transaction te awlsam zawk a digital hmang a customer ten an hman theih dan
tur te, lehkha hman tlem theih dan ber (paperless) a mipui tam zawk ten Bank an
dawr theihnan a hma lak a ni. Bank awm ve loh na khua atang pawh a awlsam tak
a dawr theih nan Digital payment te kan uar zual sauh a pawimawh a, hei hi a
hlawtlinna atann chuan Bank hrang hrang Co-operative Banks te leh dawrah te
Digital transaction kan hman a ngai a ni.
Loan, insurance,mutual fund leh Financial product dang te rintlak taka transaction
kalpui a nih theih nan hmalak a ni bawk a, BC network te pawh kan tichangtlun a,
Bank hnawthawkte pawhin Digital transaction a harsatna a awm chuan ngaihven a
siam that zung zung tur a ni.
V.2 Providing Basic Bouquet of Financial Services
Financial Service mitin te tana tul ang pek leh lakkhawm sak hi Bank in a tul ang
zelin a buaipui tur a ni.
Awlsam taka thil kalpui a nih theih nan BC network leh Fin-tech te hman tangkai.
BC network hman tangkai a, financial product hrang hrangte awlsam zawk a hman
tum a ni.
22 National Strategy for Financial Inclusion 2019-2024
V.3 Access to Livelihood & Skill Development
Eizawnna tlak thiamna leh hmasawnna chhawp chuak tur hian National Rural
Livelihood Urban Livelihood Mission te hman tangkai angai a ni.
Hmasawnna tluantling nei tur chuan Bank leh financial Service provider te pawn
Central Sorkar in Development programme hrang hrang a siam te nen hian thawh
ho na tha a awm a ngai a ni.
V.4 Financial Literacy & Education
Khawvel ram changkang zelah Customer ten an chanvo te an hriat belh zel a,
chutia’ng bawkin Financial lam kawnga mi tin zirtirna tha zawk pek te leh tih bengvar
hi he Policy in a a thil tum pawimawh ber te pawh kan ti thei awm e. Customer in
Bank kalphung te leh Bank policy hrang hrang te an hriat theih nan Bank hnathawk
ten hrilhfiah a pawimawh a ni.
NABARD hnuaia policy Lead District Manager (LDM), District Development Manager
(DDM), RBI Lead District Officer (LDO), Local level a khawtlang inrelbawlna
kaihruaitu, entirnan Mizoram ah chuan Village Council, AMC te leh Local Council te,
hemi bakah hian NGO hrang hrangte hian Financial lam kawng a mi tin zirtirna tha
zawk pek te leh tih bengvar hi a tul a ni.
V.5 Customer Protection & Grievance Redressal
Customer te humhim leh an manganna leh harsatna te a rang thei ang bera sut kian
sak hi tihmakmawh a ni a, hemi bakah hian an him nan a kawng kawhhmuh te leh
an buaina te chinfel sak an nih theihnan a kawng awm te kawhhmuh zung zung tum
a ni.
Hei hi tih hlawhtlin a nih ngei theih nan Portal te siam tur a ni.
V.6 Effective Coordination
Sawt taka programme hrang hrang te kalpui tur chuan Sorkar, Regulator, Financial
service provider, Telecom Service Regulators, Skills Training Institute hrang hrangte
Recommendations 23
nen a inzawmna te tih ngheh a ngai dawn a ni, inzawmna tha a awm phawt chuan
customer te tan pawh awlsam takin service hrang hrang hi a hman theih dawn a ni.
Digital dashboard/MIS monitoring te hmanga awlsam taka bank transaction tih theih
tum a tul a.
Village Council, AMC te leh Local Council te, hemi bakah hian NGO hrang hrang te
hian Financial Inclusion an hriatfiah a mipui vantlang hnena an hrilhfiah theih a
pawimawh.
Bank hrang hrang ten hma an lakna te hi March 2021 hma a endik hman tum a ni.
24 National Strategy for Financial Inclusion 2019-2024
VI Measurement of progress of Financial Inclusion
VI .1 Financial Inclusion in a hma thlir te leh a thil tum pawimawh tak takte min chawp
chhuahsak te hi tangkai taka hmang a India ram pum pui ah Financial Inclusion policy
hi zauh zel a, chhawmdawl a tih phuisui zel tum a nih mek lai hian, hemi policy pawh hi
thlithlai a ennawn zel a pawimawh em em a chu chuan India rama hlawkna a thlen dan
te awlsam takin min hriattir dawn a ni. Financial Stability & Development Council (FSDC)
hi financial inclusion tan a lungthu pawimawh tak a ni a, hemi bakah hian Financial
Inclusion Advisory Committee (FIAC) pawhin hemi policy hi a vil reng a ni. State level
ah chuan SLBC hian a endik hna leh thuam that ngai te a siam tha zel a ni.
VI .2 Financial Inclusion in a thil tum te hlen a nih theih nan hian Research tam tak te
buaipui a ni a, G20 Financial Inclusion Indicators te pawh a endik nan hian hman a ni.
He policy in a thil tum te hlawhtlin theihnan fimkhur leh uluk takin Financial Inclusion
Policy hi duan a ni a, tih puitlin a nih theih nan hian data source hrang hrang Financial
Access Service IMF ami te, Global Findex Database World Bank & Enterprise Surveys
siam te hi hman a ni.
VI .3 India ramah chuan Reserve Bank of India (RBI) in Bank hrang hrang atangin Data la
khawmin Financial Inclusion Plan tih hlawtlin nan hian hma a la nasa hle a, Sorkar laipui
in a Scheme hrang hrang mi harsa te dawm kan nan a a siam te pawh a endik a, a
zirchiang a ni. RBI bakah hian NABARD pawhin thingtlang lama Rural Banks te hnen
atang ten Data te hi alo khawn khawm ve bawk a, Finance Ministry pawn hma a la nasa
a, sorkar laipui pawhin Index of Financial Inclusion te a buatsaih a ni.
VI.4 Data khawn khawm hi Policy thar tan pawh a tangkai taka hman anih theih nan chuan
a hnuaia kan tarlan te hi zawm a ngai dawn a ni.
i. Data lak khawm te hi a khawl pui atangin direct taka lak thin tur a ni a, heng Data
lak khawm te hi Automated Data Extraction Method a dah that tur a ni. Heng hian
Bank te awlsam takin Data a hmantir thei dawn a ni.
Measurement of Progress of Financial Inclusion 25
ii. Bank hrang hrang atanga Data hi lakkhawm anih hnuah Digital MIS Dashboard
ang a chhawpchhuah tur a ni.
iii. Financial Service rintlak tak chhawpchhuah a pawimawh a hei hian chan chhe
zawk hmeichhia te tan pawh awlsam takin Bank te a dawr theih anga Gender
equality thlen tu tha tak a ni dawn a ni.
VI.5 Financial Inclusion tehfawng atan access, usage leh quality hman a ni.
Figure VI.1- Measuring Financial Inclusion
VI.6 Access Indicators te hian access point hrang hrang te Banking Outlets (Bank
Branches, Buisiness Coresspondent Outlets) hmang ten chhawpchhuah a ni a, hemi mai
bakah Automated Teller Machine (ATM), Point of Scale (PoS) hmang ten siam a ni. Access
point hrang hrang te hi kilometre 1000 bial danah a awm zel tur a ni.
Measurement of Financial Inclusion
Key Dimensions
Access
Usage
Quality
Financial Inclusion tihlawhtlin
nan hian tehfawng hrang
hrang hman a ni a. Hei hian a
ti rintlak in Policy dang tan
pawh hmantlak tura duan ani
• Mipui ten an pan theihna hmun Service point awm zat.
• Mipui ten Digital hmanga Service an dawn theihna point awm zat.
• Dan ang taka Bank Account hawn te.
• Customer ten credit Banka an vawn dan te.
• Customer insurance tit e.
• Mobile banking hmanga pawisa lut leh chhuak the te.
• Bank account hrang hrang hman dan tlangpui en te.
• Pawisa thawn
• Financial Services tangkai taka hman leh hemi kawnga infinchhuah.
• Customer te harsatna thlenna tur Grievance redressal buatsaih sak.
26 National Strategy for Financial Inclusion 2019-2024
Fig IV.2- Financial Services customer te’n an khawih dan tlangpui tihlanna
Puitling 1,00,000 zel a Bank Branch zawm zat
Puitling 1,00,000 zel a Corresspondent zawm zat
Puitling 1,00,000 zel a ATM zawm zat
Puitling 1,00,000 zel a POS khawl awm zat
VI.7 Heng indicators te kan customer te’n kan service an hman dan a tilang a. Data te hi
an hman dan a zirin primary leh secondary sources ang in a lakjhawm theih a. Chutihrualin,
accounts, thil siam chhuah a, etc. te erawh chu financial service providers tea tang a
lakkhawm theih a ni. Kan service te hi kan customer te’n an hman dan tlangpui chu an
thurawn leh rawtna hmangin kan hre thei reng a ni.
Fig IV.3- Financial Services hman dan tlangpui tihlanna
Financial services kan
customer te’n an hman dan
tlangpui tarlanna
Puitling finance company a
saving account nei te
MSME, formal Credit khawih
Thei te
Puitling credit khawih
thei zat
Puitling insurance
product nei zat
Puitling Pension nei zat
SMF, formal Credit khawih
thei te
Measurement of Progress of Financial Inclusion 27
VI. 8 Customer te harsatna kan sut kian sak a, an hamthatna tur te ngaihtuah chung zel a
hna kan thawh hian Financial Services tangkai taka hman a ni kan ti thei awm e. Customer
te kan ngaihsak loh chuan Financial exclusion a awm phah dawn a ni. Financial exlusion in
a nghawng tur chu-Sum lakluh tur a tlem saw tang, Customer te mamawh Bank in a phuhru
zo lo ang, rinhlelhna nasa tak thil inrelbawl dan leh kalhmangah te a chawk chhuak ang.
Engtik hunah pawh Service provider te biak pawh thei rengin an awm a tul a, customer te
lungawina kan thlen fo hi a tul a ni.
Figure VI.4 Financial Service Tehfawng te
Financial Literacy & Capability
Financial Literacy and Capability/ Financial lam kawng a
mi tin zirtirna tha zawk pek te leh tih bengvar.
Financial Knowledge Score – hemi hian Financial
Service mi tin zirtirna tha zawk a pe dawn a, an theihna
te pawh an hriat fiah phah dawn a ni entirnan (a)Inflation
(b) Interest Rate (c) Compound Interest (d)Money
Illusion (e) Risk Diversification (f) Purpose of Insurance
te hi Bank hnathawktute tan mipui vantlang te hrethiam
turin a nawlpui hrilhfiah a ngai dawn a ni.
Grievance Redressal
Grievance Redressal /Customer te humhim a, an
manganna leh harsatna te a rang thei ang bera sut kian
sak a ni. Customer leh Bank inkar mai bakah Bank
system a tha tawk tih hriatna turin a hnuai a kan tarlan
ang hian enfiah thin a ni.
(i) Complaint dawn zat
(ii) Complaint bawhzui zat
Financial
Literacy &
Capability
Grievance
Redressal
28 National Strategy for Financial Inclusion 2019-2024
VI.9 Financial Inclusion in a huam ngei tih entirna te:
Sl No
Category Indicator Formula
Access
1 Hmaichhana indawrna hmun
Puitling 100,000-a chhuta bank/banking service awm zat
Bank/Banking service awm zat ––––––––––––––––––––––––––X 100000
Puitling awm zat
2 Puitling 100,000-a chhuta ATM awm zat
ATM awm zat ––––––––––––– X 100000
Puitling awm zat
3 Puitling 100, 000-a chhuta Bank kaihhnawih service awm zat
chhuta Bank kaihhnawih service awm zat –––––––––––––––––––––––––– X 100000
Puitling awm zat
4 Puitling 100, 000-a chhuta Mutual Fund zuartu awm zat
Mutual Fund zuartu awm zat ––––––––––––––––––––––––– X 100000
Puitling awm zat
A hmanna turte
5 Puitling bank dawr thin pangngai
Puitling Savings Bank Account nei zat
Puitling Savings Bank Account nei zat –––––––––––––––––––––––––––––– X 100
Puitling awm zat
6 Hmeichhe puitling bank dawr thin pangngai
Hmeichhe puitling Savings Bank Account nei zat
Hmeichhe puitling Savings Bank Account nei zat –––––––––––––––––––––––––––––––––– X 100
Total Women population
7 MSMEs bank dawr thin zat
MSMEs bank-in loan a pek zat
MSMEs bank-in loan a pek zat –––––––––––––––––––––––– X 100
MSME awm zat
8 Kut hnathawktu bank dawr thin pangngai
SMF-te bank-in loan a pek zat
SMF-te bank-in loan a pek zat ––––––––––––––––––––– X 100
SMF awm zat
9 Puitling pension la zat
Za zela chhuta puitling pension la awm zat (NPS and APY telin)
Puitling pension account nei zat ––––––––––––––––––––––––– X 100
Puitling awm zat
10 Puitling life insurance nei zat
Za zela chhuta puitling life insurance nei zat
Puitling life insurance nei zat ––––––––––––––––––––– X 100
Puitling awm zat
11 Puitling life insurance neilo zat
Za zela chhuta puitling life insurance neilo zat
Puitling life insurance neilo zat ––––––––––––––––––––– X 100
Puitling awm zat
12 Puitling bank-in loan a pek zat
Za zela chhuta puitling bank-in loan a pek zat
Puitling bank-in loan a pek zat –––––––––––––––––––––––– X 100
Total adult population
13 Puitling Mutual Fund nei zat (Folios)
Za zela chhuta puitling Mutual Fund nei zat (Folios)
Puitling Mutual Fund nei zat (Folios)
––––––––––––––––––––––– X 100 Puitling awm zat
14 Puitling Demat Account nei zat
Za zela chhuta puitling Demat Account nei zat
Puitling Demat Account nei zat ––––––––––––––––––––– X 100
Total adult population
15 Hmeichhe puitling pension la zat
Za zela chhuta hmeichhe puitling pension la awm zat (NPS and APY telin)
Hmeichhe puitling pension account nei zat –––––––––––––––––––––––––––– X 100
Hmeichhe puitling zawng zawng zat
16 Hmeichhe puitling life insurance nei zat
Za zela chhuta hmeichhe puitling life insurance nei zat
Hmeichhe puitling life insurance nei zat ––––––––––––––––––––––––––––– X 100
Hmeichhe puitling zawng zawng zat
Measurement of Progress of Financial Inclusion 29
17 Hmeichhe puitling life insurance neilo zat
Za zela chhuta hmeichhe puitling life insurance neilo zat
Hmeichhe puitling life insurance neilo zat ––––––––––––––––––––––––––––– X 100
Hmeichhe puitling zawng zawng zat
18 Hmeichhe puitling bank-in loan a pek zat
Za zela chhuta hmeichhe puitling bank-in loan a pek zat
Hmeichhe puitling bank-in loan a pek zat –––––––––––––––––––––––––––––– X 100
Hmeichhe puitling zawng zawng zat
19 Hmeichhe puitling Mutual Fund nei zat (Folios)
Za zela chhuta hmeichhe puitling Mutual Fund nei zat (Folios)
Hmeichhe puitling Mutual Fund nei zat ––––––––––––––––––––––––––––– X 100
Hmeichhe puitling zawng zawng zat
20 Hmeichhe puitling Demat Account nei zat
Za zela chhuta hmeichhe puitling Demat Account nei zat
Hmeichhe puitling Demat Account nei zat ––––––––––––––––––––––––––––– X 100
Hmeichhe puitling zawng zawng zat
Quality
21 Financial Literacy-a thiamna tehna
Sum leh pai chungchang leh mathematics lama hriatna tlanglawn, heng -: (a) inflation; (b) Interest Rate; (c) Compound Interest; (d) Money illusion; (e) Risk Diversification; (f) Main Purpose of insurance te chhut thiamna.
A khat tawka uluk taka survey neih.
22 Harsatna Chinfelna
Harsatna lo awm ta se chinfel dan kawng leh record riruang sa mumal a awm em, heng: i) Complaint dawn zat ii) Complaint chinfel zat iii) Eng ang Complaint nge (nature) ivComplaint chinfel nan hun hman tlangpui
Banking Ombudsman scheme leh bank atanga data lakkhawm.
CONDUCT OF STUDIES/ SURVEY
VI.10 Bank hrang hrang atanga Data lakkhawm bakah hian kan customer ten policy an
ngaihdan te leh an hman tangkai dan te hriat a pawimawh hle a, World Bank hnuaiah
Global Findex Demand Side Data leh Enterprise Survey hmang te hian survey neih a,
Fin- Scope, CRISL te pawh survey neih nan a hman an ni bawk. Heng kan sawi tak
digital surveyor te hi survey nana tangkai tak a nih rualin, a ram emaw a hmun mil zel a
Survey rual khai zawka kal pui hi a pawimawh a ni.
VI.11 Survey tha tak neih a nih ual hian Financial Inclusion ti thuanawp thei tur thil hrang
hrang te pawh hmuh chhuah a ni a, chung te chu tawi te in a hnuaiah hian thailan a ni
e.
a. Financial service hrang hrang entirnan account hawnnna, pawisa dah luh leh
lakchhuah kawngah te hian harsatna tawh a ni fo. Hemi mai bakah Financial
30 National Strategy for Financial Inclusion 2019-2024
Inclusion product kan tih ang chi Micro Insurance, Pension, Investment
kawngah te hian harsatna hi a awm fo mai.
b. Digital Financial Service kan tih ang chi Mobile Banking hman chungchangah
te hian harsatna kan tawk fo a.
c. Bank a hna thawk tute thawh that lohna hian harsatna a thlen thin a.
d. Bank a service hrang hrang te hi a hman dan te kan hriatfiah teuh a, kan
hriatchian a pawimawh a, a condition in a a huam chin te lam hian kan bel tlan
a ngai a ni.
e. Customer te dikna chanvo kan hriatsak a kan humhim sak a pawimawh bawk
a.
f. Customer ten an harsatna awlsam taka an thlen theihna tur Customer Care
kan buatsaih sak tur a ni a, bank a thawkten a rang thei ang berin an harsatna
te hi kan enfiah a kan sut kian sak tur a ni.
g. Customer te hi an policy hrang hrang hman theuhah hian an lungawi tawk em
tih te hi kan endik tur a ni.
Measurement of Progress of Financial Inclusion 31
VII Conclusion
VII.1 The National Strategy for Financial Inclusion 2019-2024 hian Financial Inclusion in a
hma thlir te leh a thil tum pawimawh taktak te min chawp chhuahsak a, India ram pum pui
ah kum 5(nga) chhungin Financial Inclusion policy hi zauh zel a, chhawmdawl a tih phuisui
zel tum a ni.
VII.2 Financial Inclusion in a hma thlir te leh a thil tum pawimawh taktak te min chawp
chhuahsak a, India ram pum pui ah Financial Inclusion policy hi zauh zel a, chhawmdawl a
tih phuisui zel tum a ni.Ram pum huapa Financial lam kawnga mi tin zirtirna tha zawk pek
te leh tih bengvar,mitin tan awlsam tak a kan hman theih tur financial service pek,sawt taka
a thil tum te leh programme te kalpui mai bakah Financial Service a mitin te tana a tul ang
te lak khawm sak hi a tum ber te zinga mi a ni.
VII.3 Mipui te leh Bank dawr tur te tan hun leh tha sengin Service provider pan buai angai
lova, bungraw thawnchhuah chungchangah te, service chungchangah te hei hian nasa takin
a pui a ni. Sorkar scheme hrang hrang Jan Dhan Aadhar pawh tangkai taka hman a ni
a,India Bank’s Accosiation (IBA) hnuaia BC model siamchhuah pawh a hmangtu te (users)
te tan awlsam takin an transaction te a chhui tir thei a . Hemi bakah hian Insurance policy
hrang hrang a awm a , insurance ina a thil tum hei hian kawng tamtakin Insurance Bank te
leh mipuite puiin Internet kaltlangin online a awlsam taka insurance policy chhiar tur te min
chhawpchhuah sak bawk a ni.
VII.4 Bank hrang hrang atanga Data lakkhawm te hi duhtawk mai lovin Survey leh
Feedback neih te hi a tul hle a, Customer te dikna chanvo kan hriatsak a kan humhim sak
a pawimawh bawk a.Customer ten an harsatna awlsam taka an thlen theihna tur Customer
Care kan buatsaih sak tur a ni a, bank a thawkten a rang thei ang berin an harsatna te hi
kan enfiah a kan sut kian sak tur a ni.Customer te hi an policy hrang hrang hman theuhah
hian an lungawi tawk em tih te hi kan endik tur a ni.
32 National Strategy for Financial Inclusion 2019-2024
V.
NATIONAL STRATEGY FOR FINANCIAL INCLUSION
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