<h1>Financial inclusion policy driving bank led FIPs and monitoring to boost access, usage and DBT preparedness for excluded populations.</h1> The Reserve Bank promotes a bank-led model for financial inclusion, requiring banks to prepare Board approved Financial Inclusion Plans (FIPs) integrated with CBS, subject to structured monitoring and annual top management reviews. Complementary institutional arrangements (FSDC, technical groups, FIAC, SLBCs), financial literacy centres and a mix of branch and BC networks support rollout. Operational measures include frontloading rural branch openings, allotting unbanked villages to banks, Aadhaar seeding and camp-mode account opening for DBT, and systematic monitoring of transaction volumes and FI costs to ensure commercial viability and scalability.