The single largest source of borrowing for the government being the government-owned banks themselves, this conflict is rather apparent. Fifth, one of the factors imparting rigidity to the interest rate structure in India is the administered interest rates, particularly on small savings instruments.
There is no single comprehensive measure that can be used to indicate the extent of financial inclusion across economies. Specific indicators such as number of bank accounts, number of bank branches, that are generally used as measures of financial inclusion, can provide only partial information on the level of financial inclusion in an economy.