By 2021, we have passed the halfway mark, doing best in access or the supply of the financial infrastructure, and lagging the most in usage or demand to be financially included.
This assumes importance from the point of view of the ambitious agenda set up by the National Strategy for Financial Inclusion (NSFI), 2019-24 and the National Strategy for Financial Education (NFSE) 2020-25 in its vision of a financially literate and empowered India. There are other collateral benefits attached to the FI-Index.