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    <title>Financial Inclusion- Journey so far and Road Ahead (Speech delivered by Dr. (Smt) Deepali Pant Joshi, Executive Director, Reserve Bank of India at the Mint Conclave on Financial Inclusion, Mumbai on November 28, 2013)</title>
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    <description>The Reserve Bank&#039;s financial inclusion strategy combines supply side reforms-zero balance Basic Savings Bank Deposit Accounts, authorised Business Correspondents, core banking and biometric/ICT adoption, simplified KYC including Aadhaar e KYC, and branch opening relaxations-with demand side measures-Financial Inclusion Plans, financial literacy programmes and integration of Direct Benefit Transfer-to expand access to savings, payments, credit, insurance and pension products via sustainable, technology enabled delivery models.</description>
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