BIS central bankers’ speeches  7  Despite the low incidence of poverty and high literacy, there is uneven distribution of credit across the state. Since self-employment accounts for about 32 per cent (NSSO 64th Round) of the total employment in the state, further credit penetration is required to harness the demographic dividend.
The credit inequality needs to be addressed through intensified financial inclusion measures. Financial inclusion measures Financial inclusion is important for bringing the poor and under-privileged sections of the society within the banking fold and thereby generating and sustaining equitable growth. Let me now turn to the various measures initiated by the Reserve Bank for promoting financial inclusion.