Initiatives of RBI under Financial Inclusion & Financial Education Programs and Implementation of Various Poverty Reduction Programs
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Access?
physical / digital touch-point within 5 km of every habitation.
Usage?
at least one customer-induced transaction per quarter (PMJDY operative norm).
Quality?
fair pricing, transparency, grievance redress.
Welfare / Well-being?
measurable improvement in household income, savings, insurance penetration.
Equity?
gender, rural-urban, NER, LWE, Aspirational District gap to be narrowed.
1969 — Milestone / Key takeaway?
Milestone: Lead Bank Scheme launched (D.R. Gadgil Nariman Committee); Key takeaway: Single bank takes "lead" responsibility for credit planning in each district.
1971 — Milestone / Key takeaway?
Milestone: Differential Rate of Interest (DRI) Scheme; Key takeaway: 4% concessional finance up to ₹15,000 to weaker sections.
1992 — Milestone / Key takeaway?
Milestone: NABARD SHG-Bank Linkage Programme (SBLP) pilot — 500 SHGs; Key takeaway: Genesis of the world's largest micro-finance movement.
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