FINANCIAL INCLUSION AND ITS IMPACT ON INDIAN BANKING SECTOR IN PAST TEN YEARS

Abstract

This research investigates the multifaceted impact of financial inclusion on the Indian banking sector from 2015 to 2025, utilizing a comprehensive analysis of quantitative indicators, statistical benchmarks, and qualitative insights from global and national literature. It explores the evolution of financial inclusion, key policy interventions, digital banking adoption, demographic and regional disparities, and their effects on banking performance, asset quality, profitability, and risk management. The study integrates comparative sectoral data, intervention effectiveness, challenges, correlations, and actionable policy recommendations aligned with global standards.