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Financial Inclusion Index (FI-Index): RBI

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Context:

The Reserve Bank of India (RBI) announced on July 22, 2025, that the Financial Inclusion Index (FI-Index) rose to 67 in the financial year ending March 2025 (FY25), up from 64.2 in FY24 and 60.1 in FY23. The index reflects a steady improvement in access, usage, and quality of formal financial services across India.

What is the Financial Inclusion Index (FI-Index)?

  • Introduced: August 2021, with retrospective data for FY21.
  • Range: 0 to 100, where:
    • 0 = complete financial exclusion
    • 100 = full financial inclusion
  • Developed by: RBI in consultation with the government and regulators across banking, insurance, pensions, investments, and postal sectors.
  • Three Dimensions:
    • Access – 35% weight
    • Usage – 45% weight
    • Quality – 20% weight
YearFI-Index Value
FY2360.1
FY2464.2
FY2567.0
  • Improvements driven by:
    • Increased usage of financial services
    • Higher quality of access and delivery
    • Continued financial literacy initiatives

Key Drivers of Growth

  • Jan Dhan Yojana Impact:
    • Total Accounts Opened: 558.3 million
      • Rural/Semi-urban: 372.6 million
      • Metro: 185.7 million
      • Women account holders: 311.3 million
  • Digital Financial Ecosystem: Unified Payments Interface (UPI), mobile banking, and Aadhaar-enabled services are contributing to deeper penetration and trust.

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