India’s FI Index rose to 67 in 2025, up steadily since 2021. It reflects growing access, usage, and quality of financial services across the country
The national index hides vast regional and sectoral gaps. A single score can't show where financial exclusion still persists or where help is most needed
The RBI doesn’t publish state- or district-level data, nor component-wise scores — limiting the index’s usefulness for targeted financial planning
Millions now have bank accounts, but many lie inactive. Insurance, credit, and pensions remain out of reach for most in informal and remote sectors
To deepen inclusion, India needs better digital infra, more acceptance points, and strong safeguards for user data and consent
The FI Index is a good start. But publishing granular data is crucial for inclusive, effective financial policymaking at the local level