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2009 5 Financial Inclusion Reserve Bank of IndiaRBI Kempson Beck et al. Sarma and Pais 97

RaoRBI Sen ibid. Imperial Bank of India State Bank of India SBI SBI 98

Rao RBI RBI Panagariya ibid. Joshi RBI SBI Dasgupta 99

Shajahan ibid. Thorat Joshi Dasgupta Self Help GroupSHG Kisan Credit CardsRBISHG RBI NABARD SHG RBI 100

NABARD RBI RBI RBI arbi no frills account RBIb s Thorat Thorat 101

National Sample Survey OrganizationNSSOAll India Debt and Investment SurveyAIDIS NSSO AIDIS RBI All India Rural Credit Survey RBI NA NA NA NA NA NA NSSOab RBI NA 102

NA NA NA NA NA NA NSSOab RBI 1(%) NA 103

NA NA NA NA NA NA NA NA NA NA NA NA NSSOab RBI NA NA NA NA NA NA NA NSSOab RBI NA 104

NA NA NA NA NA NA RBI NA 105

NA NA NA NA NA NA RBI NA NA NA NA NA NA NA RBI NA 106

NA NA NA NA NA NA RBI NA NA NA NA NA NA NA RBI NA 107

NSSOab 108

NSSOab 109

RBI GDP Kempson Beck et al. Sarma and Pais Burgess and Pande RBI Kempson 110

Beck et al. GDP GDP Beck et al. ATM ATM GDP GDP Sarma and Pais Sarma ATM GDP Beck et al. GDP Burgess and Pande RBI RBI 111

RBI Panagariya ibid. 112

Beck, Thorsten, Asli Demiguc-Kunt and Maria Soledad Martines Peria2006 Banking Services for Everyone?: Barriers to Bank Access and Use around the World, The World Bank Policy Research Working Paper, No.4079, December. 2007 Reaching Out: Access to and Use of Banking Services across Countries, Journal of Financial Economics, Vol.85, Issue 1, pp.234-266. Burgess, Robin and Rohini Pande2005 Do Rural Banks Matter? Evidence from the Indian Social Banking Experiment, American Economic Review, Vol.95, Issue 3, pp.780-795. Dasgupta, Rajaram2002 Priority Sector Lending: Yesterday, Today and Tomorrow, Economic and Political Weekly, Vol.37, No.41, pp.4239-4245. Joshi, Deepali Pant2006Social Banking: Promise, Performance and Potential, New Delhi: Foundation Books. Kempson, Elaine2006 Policy Level Response to Financial Exclusion in Developed Economies: Lessons for Developing Countries, Paper for Access to Finance: Building Inclusive Financial Systems, May. Leeladhar, V.2006 Taking Banking Services to the Common Man - Financial Inclusion, RBI Bulletin, Mumbai: RBI, January, pp.73-77. Meenakshi, Sooden and Sanjeev Kumar2007 Priority Sector Lendings in the Post Reform Period, Finance India, Vol.21, No.4, pp.1389-1404. Panagariya, Arvind2006 Bank Branch Expansion and Poverty Reduction: A Comment, mimeo, August. 113

Rao, K G K Subba2007 Financial Inclusion: An Introspection, Economic and Political Weekly, Vol.42, No.5, pp.355-360. Sarma, Mandira2008 Index of Financial Inclusion, ICRIER Working Paper, No. 215, June. Sarma, Mandira and Jesim Pais2008 Financial Inclusion and Development: A Cross Country Analysis, mimeo. Sen, Kunal and Rajendra R. Vaidya1997The Process of Financial Liberalization, Delhi: Oxford University Press. Shajahan, K.M.1998 Priority Sector Bank Lending: Some Important Issues, Economic and Political Weekly, Vol.33, Nos.42-43, pp.2749-2756. Thorat, Usha2007 Financial Inclusion - The Indian Experience, RBI Bulletin, Mumbai: RBI, July, pp.1165-1172. World Bank2008Finance for All?: Policies and Pitfalls in Expanding Access, Washington, D.C.: WB. National Sample Survey OrganizationNSSO1998aIndebtedness of Rural Households as on 30.6.1991: Debt and Investment Survey, No.420, New Delhi: NSSO, July. 1998bIndebtedness of Urban Households as on 30.6.1991: Debt and Investment Survey, No.421, New Delhi: NSSO, July. 2005Household Indebtedness in India as on 30.06.2002; All India Debt and Investment Survey, No.501(59/18.2/2), New Delhi: NSSO, December. Reserve Bank of IndiaRBI1965 All India Rural Debt and Investment Survey, 1961-62, RBI Bulletin, Mumbai: RBI, September. 1977Indebtedness of Rural Households and Availability of Institutional Finance: All India Debt and Investment Survey 1971-72, Mumbai: RBI, April. 1987All India Debt and Investment Survey, 1981-82: Assets and Liabilities of Households as on 30th June 1981, Mumbai: RBI, September. 1998Banking Statistics 1972-1995: Basic Statistical Returns, Mumbai: RBI, April. 2005aAnnual Policy Statement for the year 2005-06, Mumbai: RBI, April. 2005bMid-Term Review of Annual Policy Statement for the year 2005-06, Mumbai: RBI, October. 2008 Financial Inclusion, Report on Currency and Finance 2007-08, Mumbai: RBI, pp.294-348. 114