Study of Financial Inclusion among Rural Household

This study examines the factor associated with financial inclusion during the time of the pandemic in rural area. Hundred sample of two states in India- 97 from Madhya Pradesh and 3 from Bihar were surveyed. Data on financial inclusion were analysed by using binary logistic regression. Finding suggest that financially inclusive have more monthly income, belong to forward caste having no ration card are more motivated towards operating bank account, having saving in the post office, avail credit loan and for less period of time, even in instalment having fixed deposit, having insurance policy that to off different types, aware of ATM use, having ATM card, having net banking facility, mobile banking facility, aware of direct cash transfer schemes, aware of no frill account, interest on bank loan, having Aadhar card which is linked with bank account, find difficulty in operating banking facility and belong to male category. This improvement occurred after 73 year of independence and had accelerated after new economic policy.