<h1>Financial Inclusion Milestone: India Achieves 95% Household Banking Access Through Innovative Digital Strategies and Policy Reforms</h1> The text discusses financial inclusion in India from a regulatory perspective. The Reserve Bank of India highlights significant progress in expanding banking access, with over 95% of households now having bank accounts. Key initiatives like the Jan Dhan Yojana and digital payment systems have transformed financial services, particularly for underserved populations. Challenges remain in areas like grievance redressal, digital literacy, and preventing mis-selling of financial products. The regulatory approach emphasizes technological innovation, consumer protection, and creating an inclusive financial ecosystem that supports economic development.