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    <title>Revving up the Growth Engine through Financial Inclusion (Address by Dr. K. C. Chakrabarty, Deputy Governor, Reserve Bank of India at the 32nd SKOCH Summit held at Mumbai on June 6, 2013)</title>
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    <description>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.</description>
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