An Empirical Analysis of Financial Inclusion,with Special Reference to Kcc Scheme of Jammu and Kashmir Bank Ltd, in District Shopian

Abstract

Financial inclusion is delivery of basic banking services at an affordable cost to the vast sections of underprivileged, needy and lower income groups. Banking services are in the nature of public good, it is essential that availability of banking and payment services to the entire population without discrimination is the prime objective of public policy. The present study has been conducted in Jammu and Kashmir district Shopian. The study attempts to find out whether the financial inclusion has taken place amongst apple growers in district Shopian, Jammu and Kashmir through J&K Bank. This study is based on primary and secondary data. The primary data has been collected through questionnaires and personal interviews for which one block has been selected randomly out of two blocks. While as secondary data was collected from journals, District cluster Jammu and Kashmir bank and Jammu and Kashmir bank website.