This document discusses financial inclusion in India through commercial banks. It notes that while the banking sector has expanded, many households, especially in rural areas, remain outside the formal banking system. The Reserve Bank of India and NABARD have launched several initiatives to promote financial inclusion, such as no-frills accounts, self-help groups, and a national pilot project. However, challenges to financial inclusion remain, such as limited bank branch coverage, inconvenient operating hours, lack of information about services, and institutional cultural barriers. The document concludes that continued efforts are needed to bring more of the poor into the formal financial system and reduce their reliance on money lenders.