Banks would need to look beyond their existing customer base and large corporates and reach out to rope in the vast number of small, retail and SME clients which are presently deprived of bank credit. Alongside extending the reach of their banking services, there would be a need to improve the products offered to customers and the quality of services.
They need to have proper business model and delivery model. (vi)  Reaching to the unbanked / under-banked areas  In India, growth with equity has been the central objective right from the inception of the planning process. The objective of financial inclusion is to provide financial services at affordable cost to those who are excluded from the formal financial system.