**Executive Summary**
On February 11, 2026, Shri M. Nagaraju, Secretary of the Department of Financial Services (DFS), chaired a meeting in New Delhi to prepare the roadmap for Financial Inclusion 2.0. The meeting included senior officials from various Ministries, Departments, and institutions. A final report on furthering financial inclusion in the country will be issued in due course.
**Key Points / Main Content**
* **Objectives of Financial Inclusion 2.0 Plan:**
* Access to Banking services for all citizens
* Augmentation of Banking infrastructure in villages
* Availability of formal credit specially for women and vulnerable sections of society
* Achieving the goal of Insurance & Pension for all citizens by 2047
* Development of innovative digital and financial products
* Increasing penetration of digital transactions especially in rural / semi-urban areas
* Increasing awareness on financial frauds including digital frauds
* Imparting financial and digital literacy to adults as well as to students in secondary and senior secondary levels
* **Emphasis on Strengthening Measures:**
* Presence of at least one bank branch in each subdivision in the North Eastern region
* Enhancing insurance and pension coverage for all citizens
* Formulating strategies to bring individuals currently outside the formal credit system into the mainstream credit framework
**Impact Analysis**
**Ministries/Departments/Institutions (RBI, DEA, Department of Secondary Education and Training, MeiTY, MoHUA, MoRD, MoHUA, MoLE, IRDAI, PFRDA, SEBI, IBA, I4C, NPCI):**
* **Impact:** Affected by the new roadmap for financial inclusion, influencing their respective roles in achieving the stated objectives.
* **Action Required:** Active participation in the deliberations and the development/implementation of the Financial Inclusion 2.0 plan. They are expected to contribute their expertise and resources to achieve the set goals.
**Citizens (Especially Women, Vulnerable Sections, and Those in Rural/Semi-Urban Areas):**
* **Impact:** Increased access to banking services, formal credit, insurance, and pension schemes, as well as enhanced financial and digital literacy. Reduced vulnerability to financial frauds.
* **Action Required:** Engage with the new initiatives and leverage the improved access to financial services and resources to improve their financial well-being.
**Individuals Outside the Formal Credit System:**
* **Impact:** Opportunities to integrate into the mainstream credit framework through formulated strategies.
* **Action Required:** Become aware of and participate in the programs and initiatives designed to bring them into the formal credit system.
Key Entities Referenced
Financial Inclusion 2.0: Roadmap under preparation to advance financial inclusion in India.
Department of Financial Services (DFS): Department under the Ministry of Finance, responsible for the financial services sector.
Ministry of Finance: The primary ministry responsible for financial matters in India.
New Delhi: Location where the meeting on Financial Inclusion 2.0 was held.
Ministry of Finance
Secretary, DFS Chairs Meeting to Prepare
Roadmap for Financial Inclusion 2.0
The meeting deliberates on universal banking access, digital
payment adoption, and wider insurance and pension
coverage, among others
Posted On: 11 FEB 2026 7:27PM by PIB Delhi
Shri M. Nagaraju, Secretary, Department of Financial Services (DFS), Ministry of Finance, chaired a
meeting at New Delhi today to deliberate on the preparation of the roadmap for Financial Inclusion 2.0.
The meeting was attended by senior officials from various Ministries/Departments and institutions, such
as Reserve Bank of India (RBI), Department of Economic Affairs (DEA), Department of Secondary
Education and Training, Ministry of Electronics and Information Technology (MeiTY), Ministry of Health
and Family Welfare (MoHUA), Ministry of Rural Development (MoRD), Ministry of Housing and Urban
Affairs (MoHUA), Ministry of Labour & Employment (MoLE), Insurance Regulatory and Development
Authority of India (IRDAI), Pension Fund Regulatory and Development Authority (PFRDA), Securities
and Exchange Board of India (SEBI), Indian Banks Association (IBA), Indian Cybercrime Coordination
Centre (I4C), National Payments Corporation of India (NPCI) etc.
The discussions focused on preparation of plan document for furtherance of Financial inclusion covering
the following key areas:i. Access of Banking services for all citizens
ii. Augmentation of Banking infrastructure in villages
iii. Availability of formal credit specially for women and vulnerable sections of society
iv. Achieving goal of Insurance & Pension for all citizens by 2047
v. Development of innovative digital and financial products
vi. Increasing penetration of digital transactions specially in rural / semi-urban areas
vii. Increasing awareness on financial frauds including digital frauds
viii. Imparting financial and digital literacy to adults as well as to students in secondary and senior
secondary levels
Detailed deliberations were held on all aspects, with active participation from all stakeholders present in
the meeting. Shri Nagaraju emphasized the need for further strengthening measures, such as presence of at
least one bank branch in each subdivision in the North Eastern region, enhancing insurance and pension
coverage for all citizens and formulating strategies to bring individuals currently outside the formal credit
system into the mainstream credit framework.
Based on the discussions and further deliberation final report for furtherance of financial inclusion in the
country will be issued in due course.
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