This document summarizes a study on the operational efficiency of financial inclusion in Puducherry, India. The study used a sample of 500 no-frill bank account holders to analyze the relationship between various socio-economic factors and household bank account usage. Chi-square tests found significant relationships between household accounts and factors like gender, age, marital status, occupation, and education. The study concludes that expanding access to banking services in rural areas can promote financial inclusion, but banks need strategies like simplifying loan procedures, increasing customer awareness, and leveraging technology and local partners. Overall, the document analyzes how various demographic characteristics relate to bank account usage among low-income populations in Puducherry.