Financial Inclusion: An Introspection

The impact of the credit policies and financial innovations implemented from time to time with reference to priority sectors is reflected in the decennial household surveys on debt and investment conducted by the National Sample Survey Organisation and also the periodical surveys on small borrowal accounts conducted by the RBI. This article highlights the salient features of these surveys which, inter alia, throw light on the reliance of these groups on institutional and non-institutional sources of finance.