Exploring Dimensions of Financial Inclusion from Stakeholders' Perspectives: Evidence from Rural Areas of Jammu District

Reserve Bank of India devised initiatives to provide affordable and easy financial services not only the privileged ones but also ignored neglected sections our society. Regardless their personal net worth or size organization, all individuals organizations should be able access afford products according determinants inclusion. Financial penetration is a relative small term which used represent share one credit agency that others in market. In other words we can say expressed terms loans availed by household from different sources institutions non-institutional sources. As union territory Jammu Kashmir comprises topographic demographic regions, include plains, mountainous snow-bound areas, facilities are evenly distributed over geographical areas Kashmir. This study confined territorial district Jammu. Many isolated villages struggle meet basic demands as result lack banking facilities. Following this scenario, ascertain inclusion level region, was done using three perspectives, including penetration, deposit branch remote regions blocks UT