Financial Inclusion Index (FI-Index)
The Reserve Bank of India’s (RBI) Financial Inclusion Index (FI-Index) tracks the depth and reach of financial services across India. It evaluates 97 indicators into a single score ranging from 0 (total exclusion) to 100 (complete inclusion). The composite FI-Index climbed to 70.0 for the year ending March 2026 (up 4.48%) compared to 67.0 in March 2025. This consistent improvement shows that citizens are utilizing and engaging more deeply with financial products.
The index evaluates progress across three core parameters:
1. Usage (45% weight): Measures savings, credit, digital transactions, insurance, and pension usage.
2. Access (35% weight): Assesses the physical and digital infrastructure available for banking, investment, insurance, and postal services.
3. Quality (20% weight): Focuses on consumer protection, financial literacy, and service equity
July 21, 2026 324 1
