The correct answer is All of Above. Financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs “ transactions, payments, savings, credit and insurance “ delivered in a responsible and sustainable way. In India effective financial inclusion is needed for the upliftment of the poor and disadvantaged people by providing them with the modified financial products and services. This aspect of financial inclusion is of vital importance in providing economic security to individuals and families. India is one country where the Financial Stability and Development Council (FSDC) have a specific mandate for financial inclusion and financial literacy. In a diverse country like India, financial inclusion is a critical part of the development process. Since independence, the combined efforts of successive governments, regulatory institutions, and civil society have helped in increasing the financial-inclusion net in the country.