The good news is financial inclusion. The proportion of women who have a bank or savings account that they use ranges from a high of 83 per cent in Goa to 26 per cent in Bihar. But from just around 15 per cent women having a bank account in 2005-06, this number has grown dramatically to 53 per cent in 2015-16. Moreover, these are accounts that women themselves use – suggesting some autonomy in financial decision-making.
Mobile phones were not in extensive use in 2005-’06 and their use was not recorded in NFHS III. But the latest NFHS suggests around 45 per cent women use mobile phones and their number is growing. A deeper dive into the data is equally interesting. Among women who have a mobile phone, 66 per cent say that they can read text messages. Ownership of a mobile phone that women themselves use increases with age, from 25 per cent among women aged 15-19 to 56 per cent among women aged 25-29, but then it decreases for older women. The somewhat puzzling fact emerging from the NFHS data is that the ability to read text messages declines with age: From 88 per cent among women age 15-19 to 48 per cent among women age 40-49. Ownership of a mobile phone that women themselves use varies from a low of 29 per cent in Madhya Pradesh and 31 per cent in Chhattisgarh to a high of 80-81 per cent in Sikkim, Goa, and Kerala.