CRM has become one of the important software in the banking industry, This ppt tells about the need for CRM and how it is changing the dynamics in the banking industry. Financial inclusion is defined as the availability and equality of opportunities to access financial services. It refers to a process by which individuals and businesses can access appropriate, affordable, and timely financial products and services. These include banking, loan, equity, and insurance products.

1. Presented by - Hari Ram V.R.S

4. • Better lead generation,
• High security,
• Set of standard for the bank
employees,
• Data consolidation.

9. • Financial inclusion is defined as the availability and equality of
opportunities to access financial services. It refers to a process by
which individuals and businesses can access appropriate, affordable,
and timely financial products and services. These include banking,
loan, equity, and insurance products.
• The essence of financial inclusion is to ensure delivery of financial
services which include - bank accounts for savings and transactional
purposes, low cost credit for productive, personal and other purposes,
financial advisory services, insurance facilities (life and non-life) etc.

11. Crisil Inclusix report - 2019

12. • Opening Basic Savings Bank deposit (BSBD) account with no minimum
balance, electronic payment system, basic Rupay card.
• Relaxed & simplified KYC norms, for small accounts with balances not
higher than 50,000 & using Aadhar card as proof of identity and
address.
• Simplified Branch Authorization Policy in north-eastern states &
Andaman nicobar islands,
• Opening of Financial literacy centres (FLCs) in rural areas to scale up
financial inclusion through financial literacy.
• Expanding ATM network all around India for quick access & better

13. • Nationalization of banks – Brought by PM. Indira Gandhi was the first
step in starting financial inclusion in India.
• Mahatma Gandhi Employment Guarantee Act (MGEGA, 2005) – The
program deposits wages directly into bank accounts thus increasing the
usage of bank accounts.
• Pradhan Manthri Jan Dhan Yojana (PM-JDY) - a financial inclusion
program of the Government of India open to Indian citizens, that aims to
expand affordable access to financial services such as bank accounts,
remittances, credit, insurance and pensions.
• Ayushman Bharat Yojana (PM-JAY) - is a scheme of the Government
of India to provide free access to healthcare for 40% of people in the
country. People using the program access their own primary care
services from a family doctor. Also providing secondary healthcare.
• Atal pension yojana (APY) - is a government-backed pension scheme
in India, primarily targeted at the unorganised sector.

14. • Banking
• MUDRA,
• Stand-up India,
• Investment
• Sukanya samridhi yojana,
• PPF.
• Pension / insurance
• PM Suraksha Bima yojana,
• PM Jeevan Jyoti bima yojana

15. BBP, CP, DP, IP SCORE
TREND
Inclusion trend Regional inclusion growth FY 16