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Financial Inclusion is the first and foremost policy option to fulfil social and financial needs across the country. The primary responsibility, in any country, is providing financial services to vulnerable groups to improve their standard of living. "Fifty six percent of adults in the world do not have access to formal financial services" (Oya Pinar Ardic, 2011), whereas "in India 89.3 million farmers i.e., 72.7% of total population, are excluded from formal sources of finance"doi:10.6084/m9.figshare.1488622.v1 fatcat:al43anjg2nd3vf2s6e6t7p4j3a