RBI's 70/100 Score: Is Your Village Bank-Ready?
RBI's Financial Inclusion Index hit 70 out of 100 in March 2026, up from 67 last year. More Indians are now actively using bank accounts, loans, and digital payments — not just holding them.
India's FI score jumped 3 points in 1 year — that's crores of new bank accounts, loans & insurance covers opened.
India's financial inclusion score — are you part of the progress?
Key Takeaways
Check if your family members in smaller towns have active bank accounts with UPI enabled — dormant accounts don't count as 'included'.
Encourage elderly parents or rural relatives to use their Jan Dhan or savings account regularly to access government benefits and credit.
Compare basic savings, micro-insurance, and PM-backed loan schemes available at your nearest bank branch or post office if you're underserved.
RBI's Financial Inclusion Index hit 70 out of 100 in March 2026, up from 67 last year. More Indians are now actively using bank accounts, loans, and digital payments — not just holding them.
Here's what happened: RBI's Financial Inclusion Index rose to 70.0 in March 2026 from 67.0 in March 2025, growing across all sub-indices.. This year's jump is mainly driven by a rise in 'Usage' — meaning more Indians are actively transacting, not just owning accounts.. The FI-Index tracks Access, Usage, and Quality of financial services — covering banking, credit, insurance, and investments nationwide..
What you should do: Check if your family members in smaller towns have active bank accounts with UPI enabled — dormant accounts don't count as 'included'.. Encourage elderly parents or rural relatives to use their Jan Dhan or savings account regularly to access government benefits and credit.. Compare basic savings, micro-insurance, and PM-backed loan schemes available at your nearest bank branch or post office if you're underserved..
A dormant Jan Dhan account can be reactivated free of charge at any bank branch — and once active, it unlocks DBT subsidies, micro-credit, and accident insurance cover automatically.
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This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.