The results indicate that Kerala, Maharashtra and Karnataka has achieved high financial inclusion (IFI >0.5), while Tamil Nadu, Punjab, A.P, H.P, Sikkim, and Haryana identified as a group of medium financial inclusion (0.3 <IFI< financial low very have states remaining the and>  2.5  World Bank “Financial Access Survey” results    From the table 1 given below, it would be observed that in our country, financial exclusion measured in terms of bank branch density, ATM density, bank credit to GDP and bank deposits to GDP is quite low as compared with most of developing countries in the world.
4  Bank branch penetration is measured as number of bank branches per one lakh population. 5  Measured as number of saving deposit accounts per one lakh population.