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India has set its eyes on becoming a developed nation by 2047. For this dream of Viksit Bharat to be realised, the journey cannot be one of growth for a few. It has to be inclusive, with opportunities that reach every household. Financial literacy is one of the most powerful levers for driving equitable growth. […]

From the narrow lanes of Ranchi to remote villages in Jharkhand, a quiet transformation is underway. At the heart of this change is a simple mobile app called Swadhaar Saathi, used by thousands of individuals to take control of their finances, sometimes for the very first time in their lives. But this isn’t just an

Swadhaar trainers (In picture: Roshan Nag) conducting comprehensive financial literacy training and dedicated follow-ups, ensuring sustained financial knowledge and confidence. When Roshan Nag, a trainer with Swadhaar FinAccess, started bringing basic financial literacy to a community that had long been disconnected from banking services, he faced initial resistance. The villagers of Rania, a remote and

One-size-fits-all can help with widespread access but also creates barriers Financial inclusion initiatives such as the Jan Dhan, Aadhaar, and Mobile (the JAM trinity) across India have yielded impressive results, opening over 519.5 million bank accounts till 2024. A staggering 13.9 billion transactions are processed monthly over UPI. However, these impressive figures mask a crucial