7/30/2019 Financial Inclusion Brochure

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Jfa{mffc`cae?

@ Tfqfmc md Dfc`caf`n Fcanuqfmc

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R`{y md yge jfqqfmc md `cv ffc`caf`n fcqyfyuyfmc qgmuni

ke ym r{mjmye ffc`caf`n fcanuqfmc# Yge qmaf`n `ci

eamcmjfa keceffyq md {e`agfcl yge uck`chei `{e

ecm{jmuq? l{e`ye{ ffc`caf`n qeau{fyv `ci eamcmjfa

mrrm{yucfyv dm{ nm|*fcamje remrne `ci ewr`cifcl

j`{heyq `ci r{mqre{fyv dm{ yge ecyf{e |m{ni#

Tfh{`j R`cify

AEM. Afyf

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Dfc`caf`n r{miuayq `{e a{fyfa`n ymmnq yg`y ec`kne remrne ym r`{yfafr`ye fc yge dm{j`n dfc`caf`nqvqyej# Ygev r{mtfie mrrm{yucfyv ym q`te dm{ agfni{ec,q eiua`yfmc. r{myeay `l`fcqy a{mr d`fnu{e. m{ym km{{m| jmcev ym qy`{y ` kuqfceqq# Ymi`v. mte{ ;22 jfnnfmc remrne `aaeqq a{eify yg{mulgjfa{mdfc`cae fcqyfyuyfmcq 'JDFq& `{muci yge |m{ni. `ci `q yge qeaym{ g`q etmntei. ce| dfc`caf`nr{miuayq. mdde{ei kv JDFq. g`te keec `iiei ym ec`kne remrne ym nfte qy`kne `ci jm{e r{mqre{muqdfc`caf`n nfteq# Fc `iifyfmc. jfnnfmcq md remrne `{e cm| iermqfyfcl q`tfclq fcym JDFq `ci k`chq dm{yge df{qy yfje#Ygfq lufie |`q ietenmrei ym gflgnflgy qmje md yge ne`ie{q fc yge jfa{mdfc`cae dfeni `ci qgm|a`qe

yge |`vq ygev `{e fjr`ayfcl cmy mcnv yge |`vq JDFq ducayfmc. kuy `nqm yge nfteq md yge anfecyq ygevqe{te#Yge Afyf Dmuci`yfmc g`q keec qurrm{yfcl yge jfa{mdfc`cae qeaym{ rgfn`cyg{mrfa`nnv dm{ mte{ 12ve`{q yg{mulg qy{`yelfa fcteqyjecyq ym qy{eclygec yge fcqyfyuyfmc`n a`r`afyv md jfa{mdfc`caem{l`cfz`yfmcq `ci yge dfc`caf`n a`r`kfnfyfeq md anfecyq. |gfne qurrm{yfcl {eqe`{ag ym fiecyfdvfccmt`yfmcq fc yge qeaym{# Afyf Jfa{mdfc`cae dmauqeq mc ietenmrfcl {en`yfmcqgfrq ym qurrm{y JDFq.cey|m{hq `ci fcteqym{q `{muci yge |m{ni fc m{ie{ ym ewr`ci `aaeqq ym a`rfy`n. fciftfiu`n necifclyg{mulg JDFq. `ci ifqy{fkuyfmc jeag`cfqjq ym k{m`iec `ci fca{e`qe yge {e`ag md dfc`caf`nqe{tfaeq# Fc `iifyfmc ym mu{ nmcl*ye{j amjjfyjecy ym qurrm{y eddm{yq yg`y genr yge jfa{mdfc`cae

qeaym{ `agfete qa`ne `ci quqy`fc`kfnfyv. |e `{e ifqyfclufqgei fc ygfq dfeni kv mu{ mc*yge*l{mucir{eqecae `ci r`{yce{qgfrq fc yge amucy{feq |ge{e jfa{mdfc`cae fq j`hfcl ` ifdde{ecae#Kv qurrm{yfcl yge quaaeqq md yge jfa{mdfc`cae qeaym{. Afyf fq genrfcl ym ewr`ci `aaeqq ym a`rfy`n.`q |enn `q q`tfclq. fcqu{`cae. {ejfyy`caeq `ci myge{ r{miuayq yg`y r{mtfie jfa{mecy{er{eceu{q`ci ygef{ d`jfnfeq |fyg dfc`caf`n agmfaeq `ci mrrm{yucfyfeq# \e kenfete yg`y `c fcanuqfte dfc`caf`qe{tfaeq fciuqy{v fq a{uaf`n ym eamcmjfa `ci qmaf`n ietenmrjecy#

Kmk @ccfk`ne

Lnmk`n If{eaym{

Afyf Jfa{mdfc`cae `ci Amjjucfyv Ietenmrjecy

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R`j Dn`ge{yv

R{eqfiecy $ Agfed Eweauyfte Mddfae{

Afyf Dmuci`yfmc

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7/30/2019 Financial Inclusion Brochure

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@AAFMC g`q keec fcqy{ujecy`n fc genrfcl jfa{mffc`cae

ietenmr d{mj ` qejfc`n fie` fcym ` lnmk`n fciuqy{v

r{mtfifcl ce| {eqmu{aeq ym yge |m{ni,q rmm{#

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r`{yce{q r{mtfiei ffc`caf`n

qe{tfaeq ym jm{e yg`c

jfnnfmc anfecyqfc ;202#9#1

7/30/2019 Financial Inclusion Brochure

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Dmuciei fc 0640 ym dmqye{ amjjucfyv ietenmrjecy fc N`yfc @je{fa`. @AAFMC fq `cmcr{mdfy m{l`cfz`yfmc |fyg yge jfqqfmc md lftfcl remrne yge ymmnq ygev ceei ym |m{hygef{ |`v muy md rmte{yv# Fc 06

7/30/2019 Financial Inclusion Brochure

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K[@A fq ` ietenmrjecy m{l`cfz`yfmc ieifa`yei ym yge `nnetf`yfmc md rmte{yv kv ejrm|e{fclyge rmm{ ym {e`nfze ygef{ rmyecyf`n `ci k{fcl `kmuy rmqfyfte ag`cle fc ygef{ m|c nfteq# K[@Aqy`{yei fc K`cln`ieqg fc 06

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Mce ew`jrne md K[@Aq quaaeqq fq Juccf. |gm ymmh muy ` UQ)

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Dmuciei ? 0665Jfqqfmc ? @it`cafcl dfc`caf`n `aaeqq dm{ yge |m{ni,q rmm{Dmauq ? R{mtfifcl j`{hey fcyennflecae. r{mjmyfcl qy`ci`{iq. ietenmrfcl

fccmt`yfte qmnuyfmcq `ci mdde{fcl `itfqm{v qe{tfaeq[e`ag ? Lnmk`nE*j`fn? al`rB|m{nik`ch#m{l

Yge Amcquny`yfte L{mur ym @qqfqy yge Rmm{ 'AL@R& fq `c fciereciecy rmnfav `ci {eqe`{agaecye{ ieifa`yei ym `it`cafcl dfc`caf`n `aaeqq ym rmm{ remrne# Gmuqei fc yge \m{ni K`ch. fyfq qurrm{yei kv jm{e yg`c 12 ietenmrjecy `lecafeq `ci r{ft`ye `lecafeq yg`y qg`{e `amjjmc jfqqfmc ym `nnetf`ye rmte{yv# Qfcae fyq a{e`yfmc fc 0665. AL@R g`q eqy`knfqgei fyqend`q ` ne`ifcl lnmk`n {eqmu{ae aecye{ dm{ `aaeqq ym dfc`cae kv r{mtfifcl j`{hey fcyennflecae.r{mjmyfcl qy`ci`{iq. ietenmrfcl fccmt`yfte kuqfceqq jmienq. `ci mdde{fcl `itfqm{v qe{tfaeqym jfa{mdfc`cae r{mtfie{q. lmte{cjecyq. imcm{q `ci fcteqym{q#

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7/30/2019 Financial Inclusion Brochure

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@aaeqq ym ffc`caf`n qe{tfaeq |geyge{ fc

yge dm{j md q`tfclq. a{eify. jmcev

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ymmn dm{ fjr{mtfcl ` d`jfnvq |enn*kefcl `ci

r{miuayfte a`r`afyv#

@q ` lnmk`n r`{yce{qgfr |m{hfcl dm{ yge ruknfa lmmi. AL@R dmauqeq mc genrfcl ` ifte{qfyv mddfc`caf`n qe{tfae r{mtfie{q {e`ag jm{e rmm{ remrne |fyg ` k{m`ie{ {`cle md dfc`caf`qe{tfaeq `y nm|e{ amqy. `ci genrfcl yge jfa{mdfc`cae fciuqy{v ietenmr ` {e`n {eqrmcqfknedfc`cae `leci` kv?

c Yeqyfcl `ci qg`{fcl hcm|neile mc ce| kuqfceqq jmienq yg`y j`v r{miuae yge nm|y{`cq`ayfmc amqyq {epuf{ei ym {e`ag qa`ne#

c R{mjmyfcl y{`cqr`{ecav fc yge dfc`caf`n `ci qmaf`n re{dm{j`cae md jfa{mdfc`caer{mtfie{q#

c

Amciuayfcl {eqe`{ag `ci `itma`av mc amcquje{ r{myeayfmc dm{ nm|*fcamje uqe{qmd dfc`caf`n qe{tfaeq#c Ecl`lfcl |fyg lmte{cjecyq ym dmqye{ ` qurrm{yfte rmnfav `ci {elun`ym{v ectf{mcjecy

dm{ dfc`caf`n fcanuqfmc#c \m{hfcl |fyg imcm{q `ci fcteqym{q ym fjr{mte ygef{ eddeayfteceqq fc qurrm{yfcl

jfa{mdfc`cae#

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|||#dfca`#m{l

Dmuciei? 0679Jfqqfmc? R{mtfie dfc`caf`n qe{tfaeq ym yge

|m{niq nm|eqy*fcamje ecy{er{e

ceu{q qm ygev a`c a{e`ye omkq. kufni`qqeyq `ci fjr{mte ygef{ qy`ci`{imd nftfcl#

Dmauq? R{mtfifcl a{eify `ci jmcevy{`cqde{ qe{tfaeq `q |enn `q q`tfclq`ci fcqu{`cae r{miuayq#

M{flfc? Kmnftf`[e`ag? Qe{tfcl jm{e yg`c 705.222 anfecyq

fc ;0 amucy{feq

E*j`fn? kmk#r{faeBdfca`#m{l

2

DFCA@q jfqqfmc fq ym r{mtfie dfc`caf`n qe{tfaeq ym

yge |m{niq nm|eqy*fcamje ecy{er{eceu{q qm ygev

a`c a{e`ye omkq. kufni `qqeyq `ci fjr{mte ygef{

qy`ci`{iq md nftfcl# @q ` lnmk`n m{l`cfz`yfmc |fyg

|gmnnv*m|cei qukqfif`{feq mc dmu{ amcyfcecyq.

DFCA@ m|cq `ci j`c`leq fyq |m{ni|fie cey|m{h#

Lnmk`nnv. jm{e yg`c y|m*ygf{iq md DFCA@q anfecyq

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qfzeq `{e `q qj`nn `q )52 ym )022 dm{ ce| anfecyq

`ci a`c l{m| ym `q gflg `q )02.222# Fc `iifyfmc ym

fyq a{eify qe{tfaeq. |gfag fcanuie l{mur necifcl `

|enn `q fciftfiu`n necifcl r{miuayq. DFCA@ g`q

a{e`yei q`tfclq `ci fcqu{`cae r{miuayq `ci mdde{

jmcev y{`cqde{ qe{tfaeq ym anfecyq# DFCA@ `nqm fq

`ayftenv ru{qufcl mrrm{yucfyfeq ym fcy{miuae

k{`cagneqq-`lecy k`chfcl qmnuyfmcq ym fca{e`qe

muy{e`ag fc ucie{qe{tei `{e`q#

@q md @r{fn 12. ;200. DFCA@ g`i r{mtfiei dfc`caf`n

qe{tfaeq ym jm{e yg`c 705.222 anfecyq |m{ni|fie

yg{mulg ` nm`c rm{ydmnfm md ce`{nv )992 jfnnfmc.

`ccu`n nm`c ifqku{qejecyq md qmje )72 jfnnfmc

re{ jmcyg. `ci ` {er`vjecy {`ye md jm{e yg`c 6

re{aecy# Tmnucy`{v q`tfclq kv DFCA@ anfecyq fq

ce`{nv );5 jfnnfmc#

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);5 jfnnfmc#

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eje{lecafeq `q |enn `q

ete{vi`v ceeiq8

fcqu{`cae ym {eiuae

tunce{`kfnfyv8 `ci ` q`de

rn`ae ym iermqfy q`tfclq#

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Dmuciei? 066