Mr. Dilip Modi, Founder & CEO of Spice Money
“The rise in RBI’s Financial Inclusion Index to 67.0 is a clear sign that India is making meaningful strides in deepening financial empowerment, especially at the last mile. What stands out in this year’s progress is the role of usage, service quality, and most importantly, financial literacy in driving the improvement. It’s no longer just about access, it’s about impact.
The numbers reaffirm that India is on the right path, but there’s more to be done. Responsible credit, regional language tools, and continued literacy programs must now take center stage. As we move towards a Viksit Bharat, rural India must not just participate, it must lead. And that’s possible only when every citizen, regardless of geography or background, can navigate the digital financial landscape with knowledge and confidence.
Financial literacy is the foundation of real inclusion. At Spice Money, we’ve seen education at the grassroots, especially through our digitally trained Adhikaris (non – bank BCs) who can unlock confidence and trust in financial systems. Our network of over 15.5 lakh Adhikaris, spread across 95% of pincodes in India, many of whom are trained through our Spice Money Academy, where they receive multilingual, product-specific modules and certifications to ensure high-quality service delivery. When a rural woman understands how to use a digital wallet or a farmer can safely access credit, we’re not just offering services, we’re enabling independence.”
Mr. Deepak Verma, Managing Director and CEO, FINDI
“The steady rise in the Financial Inclusion Index to 67.0 is a clear indication that India is moving beyond access to real usage and trust in financial services. It reflects the success of ecosystem-wide efforts to bring underserved communities into the formal financial fold not just digitally, but meaningfully.
At FINDI, we believe that true inclusion is built on last-mile delivery where physical touchpoints, assisted services, and tech-enabled infrastructure come together to empower every citizen. ATMs and micro-ATMs continue to play a vital role in bridging the gap between digital intent and physical access, especially in remote and underserved regions.
Our mission is to empower all Indians with access to financial infrastructure backed by trusted institutions. This progress validates our vision of enabling financial dignity for Bharat by creating an ecosystem that is not just connected, but confident. We remain committed to strengthening inclusive infrastructure that makes financial services accessible, affordable, and reliable for all.”