The bottlenecks and difficulties in achieving complete financial inclusion in our country are fairly well known. The major obstacles are: (i)  The gigantic nature of the task, keeping in view the number of financially excluded people.   In India, almost half the country is unbanked.   Of the 6 lakh villages in India, only approximately 50,000 have bank branches.
This plan would be necessary for sectors where the problem is not just one of excess capacity but possibly also of economically unviable assets in the short- to medium-term. Take, for example, the Power sector, where projects have been created to deliver aggregate capacity that is beyond the estimated peak utilization anytime soon.