NATIONAL STRATEGY FOR FINANCIAL INCLUSION

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


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.


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


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.


(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/


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/


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.


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.


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.


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.


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.


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.


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.


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.


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.


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.


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


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.


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.


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.


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


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


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



17 Hmeichhe puitling life insurance neilo zat

Za zela chhuta hmeichhe puitling life insurance neilo zat

Hmeichhe puitling life insurance neilo zat ––––––––––––––––––––––––––––– X 100


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


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


20 Hmeichhe puitling Demat Account nei zat

Za zela chhuta hmeichhe puitling Demat Account nei zat

Hmeichhe puitling Demat Account nei zat ––––––––––––––––––––––––––––– X 100


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


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.


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.


NATIONAL STRATEGY FOR FINANCIAL INCLUSION

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