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7/30/2019 Financial Inclusion Brochure
1/24
Jfa{mffc`cae?
@ Tfqfmc md Dfc`caf`n Fcanuqfmc
7/30/2019 Financial Inclusion Brochure
2/24
R`{y md yge jfqqfmc md `cv ffc`caf`n fcqyfyuyfmc qgmuni
ke ym r{mjmye ffc`caf`n fcanuqfmc# Yge qmaf`n `ci
eamcmjfa keceffyq md {e`agfcl yge uck`chei `{e
ecm{jmuq? l{e`ye{ ffc`caf`n qeau{fyv `ci eamcmjfa
mrrm{yucfyv dm{ nm|*fcamje remrne `ci ewr`cifcl
j`{heyq `ci r{mqre{fyv dm{ yge ecyf{e |m{ni#
Tfh{`j R`cify
AEM. Afyf
7/30/2019 Financial Inclusion Brochure
3/24
Dfc`caf`n r{miuayq `{e a{fyfa`n ymmnq yg`y ec`kne remrne ym r`{yfafr`ye fc yge dm{j`n dfc`caf`nqvqyej# Ygev r{mtfie mrrm{yucfyv ym q`te dm{ agfni{ec,q eiua`yfmc. r{myeay `l`fcqy a{mr d`fnu{e. m{ym km{{m| jmcev ym qy`{y ` kuqfceqq# Ymi`v. mte{ ;22 jfnnfmc remrne `aaeqq a{eify yg{mulgjfa{mdfc`cae fcqyfyuyfmcq 'JDFq& `{muci yge |m{ni. `ci `q yge qeaym{ g`q etmntei. ce| dfc`caf`nr{miuayq. mdde{ei kv JDFq. g`te keec `iiei ym ec`kne remrne ym nfte qy`kne `ci jm{e r{mqre{muqdfc`caf`n nfteq# Fc `iifyfmc. jfnnfmcq md remrne `{e cm| iermqfyfcl q`tfclq fcym JDFq `ci k`chq dm{yge df{qy yfje#Ygfq lufie |`q ietenmrei ym gflgnflgy qmje md yge ne`ie{q fc yge jfa{mdfc`cae dfeni `ci qgm|a`qe
yge |`vq ygev `{e fjr`ayfcl cmy mcnv yge |`vq JDFq ducayfmc. kuy `nqm yge nfteq md yge anfecyq ygevqe{te#Yge Afyf Dmuci`yfmc g`q keec qurrm{yfcl yge jfa{mdfc`cae qeaym{ rgfn`cyg{mrfa`nnv dm{ mte{ 12ve`{q yg{mulg qy{`yelfa fcteqyjecyq ym qy{eclygec yge fcqyfyuyfmc`n a`r`afyv md jfa{mdfc`caem{l`cfz`yfmcq `ci yge dfc`caf`n a`r`kfnfyfeq md anfecyq. |gfne qurrm{yfcl {eqe`{ag ym fiecyfdvfccmt`yfmcq fc yge qeaym{# Afyf Jfa{mdfc`cae dmauqeq mc ietenmrfcl {en`yfmcqgfrq ym qurrm{y JDFq.cey|m{hq `ci fcteqym{q `{muci yge |m{ni fc m{ie{ ym ewr`ci `aaeqq ym a`rfy`n. fciftfiu`n necifclyg{mulg JDFq. `ci ifqy{fkuyfmc jeag`cfqjq ym k{m`iec `ci fca{e`qe yge {e`ag md dfc`caf`nqe{tfaeq# Fc `iifyfmc ym mu{ nmcl*ye{j amjjfyjecy ym qurrm{y eddm{yq yg`y genr yge jfa{mdfc`cae
qeaym{ `agfete qa`ne `ci quqy`fc`kfnfyv. |e `{e ifqyfclufqgei fc ygfq dfeni kv mu{ mc*yge*l{mucir{eqecae `ci r`{yce{qgfrq fc yge amucy{feq |ge{e jfa{mdfc`cae fq j`hfcl ` ifdde{ecae#Kv qurrm{yfcl yge quaaeqq md yge jfa{mdfc`cae qeaym{. Afyf fq genrfcl ym ewr`ci `aaeqq ym a`rfy`n.`q |enn `q q`tfclq. fcqu{`cae. {ejfyy`caeq `ci myge{ r{miuayq yg`y r{mtfie jfa{mecy{er{eceu{q`ci ygef{ d`jfnfeq |fyg dfc`caf`n agmfaeq `ci mrrm{yucfyfeq# \e kenfete yg`y `c fcanuqfte dfc`caf`qe{tfaeq fciuqy{v fq a{uaf`n ym eamcmjfa `ci qmaf`n ietenmrjecy#
Kmk @ccfk`ne
Lnmk`n If{eaym{
Afyf Jfa{mdfc`cae `ci Amjjucfyv Ietenmrjecy
|||#afyfjfa{mdfc`cae#amj
R`j Dn`ge{yv
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Afyf Dmuci`yfmc
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|||#afyfdmuci`yfmc#amj
7/30/2019 Financial Inclusion Brochure
4/24
@AAFMC g`q keec fcqy{ujecy`n fc genrfcl jfa{mffc`cae
ietenmr d{mj ` qejfc`n fie` fcym ` lnmk`n fciuqy{v
r{mtfifcl ce| {eqmu{aeq ym yge |m{ni,q rmm{#
@AAFMCq fcye{c`yfmc`n
r`{yce{q r{mtfiei ffc`caf`n
qe{tfaeq ym jm{e yg`c
jfnnfmc anfecyqfc ;202#9#1
7/30/2019 Financial Inclusion Brochure
5/24
Dmuciei fc 0640 ym dmqye{ amjjucfyv ietenmrjecy fc N`yfc @je{fa`. @AAFMC fq `cmcr{mdfy m{l`cfz`yfmc |fyg yge jfqqfmc md lftfcl remrne yge ymmnq ygev ceei ym |m{hygef{ |`v muy md rmte{yv# Fc 06
7/30/2019 Financial Inclusion Brochure
6/24
K[@A fq ` ietenmrjecy m{l`cfz`yfmc ieifa`yei ym yge `nnetf`yfmc md rmte{yv kv ejrm|e{fclyge rmm{ ym {e`nfze ygef{ rmyecyf`n `ci k{fcl `kmuy rmqfyfte ag`cle fc ygef{ m|c nfteq# K[@Aqy`{yei fc K`cln`ieqg fc 06
7/30/2019 Financial Inclusion Brochure
7/24
Mce ew`jrne md K[@Aq quaaeqq fq Juccf. |gm ymmh muy ` UQ)
7/30/2019 Financial Inclusion Brochure
8/24
Dmuciei ? 0665Jfqqfmc ? @it`cafcl dfc`caf`n `aaeqq dm{ yge |m{ni,q rmm{Dmauq ? R{mtfifcl j`{hey fcyennflecae. r{mjmyfcl qy`ci`{iq. ietenmrfcl
fccmt`yfte qmnuyfmcq `ci mdde{fcl `itfqm{v qe{tfaeq[e`ag ? Lnmk`nE*j`fn? al`rB|m{nik`ch#m{l
Yge Amcquny`yfte L{mur ym @qqfqy yge Rmm{ 'AL@R& fq `c fciereciecy rmnfav `ci {eqe`{agaecye{ ieifa`yei ym `it`cafcl dfc`caf`n `aaeqq ym rmm{ remrne# Gmuqei fc yge \m{ni K`ch. fyfq qurrm{yei kv jm{e yg`c 12 ietenmrjecy `lecafeq `ci r{ft`ye `lecafeq yg`y qg`{e `amjjmc jfqqfmc ym `nnetf`ye rmte{yv# Qfcae fyq a{e`yfmc fc 0665. AL@R g`q eqy`knfqgei fyqend`q ` ne`ifcl lnmk`n {eqmu{ae aecye{ dm{ `aaeqq ym dfc`cae kv r{mtfifcl j`{hey fcyennflecae.r{mjmyfcl qy`ci`{iq. ietenmrfcl fccmt`yfte kuqfceqq jmienq. `ci mdde{fcl `itfqm{v qe{tfaeqym jfa{mdfc`cae r{mtfie{q. lmte{cjecyq. imcm{q `ci fcteqym{q#
|||#al`r#m{l
7/30/2019 Financial Inclusion Brochure
9/24
@aaeqq ym ffc`caf`n qe{tfaeq |geyge{ fc
yge dm{j md q`tfclq. a{eify. jmcev
y{`cqde{q m{ fcqu{`cae fq ` duci`jecy`n
ymmn dm{ fjr{mtfcl ` d`jfnvq |enn*kefcl `ci
r{miuayfte a`r`afyv#
@q ` lnmk`n r`{yce{qgfr |m{hfcl dm{ yge ruknfa lmmi. AL@R dmauqeq mc genrfcl ` ifte{qfyv mddfc`caf`n qe{tfae r{mtfie{q {e`ag jm{e rmm{ remrne |fyg ` k{m`ie{ {`cle md dfc`caf`qe{tfaeq `y nm|e{ amqy. `ci genrfcl yge jfa{mdfc`cae fciuqy{v ietenmr ` {e`n {eqrmcqfknedfc`cae `leci` kv?
c Yeqyfcl `ci qg`{fcl hcm|neile mc ce| kuqfceqq jmienq yg`y j`v r{miuae yge nm|y{`cq`ayfmc amqyq {epuf{ei ym {e`ag qa`ne#
c R{mjmyfcl y{`cqr`{ecav fc yge dfc`caf`n `ci qmaf`n re{dm{j`cae md jfa{mdfc`caer{mtfie{q#
c
Amciuayfcl {eqe`{ag `ci `itma`av mc amcquje{ r{myeayfmc dm{ nm|*fcamje uqe{qmd dfc`caf`n qe{tfaeq#c Ecl`lfcl |fyg lmte{cjecyq ym dmqye{ ` qurrm{yfte rmnfav `ci {elun`ym{v ectf{mcjecy
dm{ dfc`caf`n fcanuqfmc#c \m{hfcl |fyg imcm{q `ci fcteqym{q ym fjr{mte ygef{ eddeayfteceqq fc qurrm{yfcl
jfa{mdfc`cae#
7/30/2019 Financial Inclusion Brochure
10/24
|||#dfca`#m{l
Dmuciei? 0679Jfqqfmc? R{mtfie dfc`caf`n qe{tfaeq ym yge
|m{niq nm|eqy*fcamje ecy{er{e
ceu{q qm ygev a`c a{e`ye omkq. kufni`qqeyq `ci fjr{mte ygef{ qy`ci`{imd nftfcl#
Dmauq? R{mtfifcl a{eify `ci jmcevy{`cqde{ qe{tfaeq `q |enn `q q`tfclq`ci fcqu{`cae r{miuayq#
M{flfc? Kmnftf`[e`ag? Qe{tfcl jm{e yg`c 705.222 anfecyq
fc ;0 amucy{feq
E*j`fn? kmk#r{faeBdfca`#m{l
2
DFCA@q jfqqfmc fq ym r{mtfie dfc`caf`n qe{tfaeq ym
yge |m{niq nm|eqy*fcamje ecy{er{eceu{q qm ygev
a`c a{e`ye omkq. kufni `qqeyq `ci fjr{mte ygef{
qy`ci`{iq md nftfcl# @q ` lnmk`n m{l`cfz`yfmc |fyg
|gmnnv*m|cei qukqfif`{feq mc dmu{ amcyfcecyq.
DFCA@ m|cq `ci j`c`leq fyq |m{ni|fie cey|m{h#
Lnmk`nnv. jm{e yg`c y|m*ygf{iq md DFCA@q anfecyq
`{e |mjec. `ci fc j`cv j`{heyq 62 re{aecy m{jm{e md DFCA@q anfecyq `{e |mjec# DFCA@q nm`c
qfzeq `{e `q qj`nn `q )52 ym )022 dm{ ce| anfecyq
`ci a`c l{m| ym `q gflg `q )02.222# Fc `iifyfmc ym
fyq a{eify qe{tfaeq. |gfag fcanuie l{mur necifcl `
|enn `q fciftfiu`n necifcl r{miuayq. DFCA@ g`q
a{e`yei q`tfclq `ci fcqu{`cae r{miuayq `ci mdde{
jmcev y{`cqde{ qe{tfaeq ym anfecyq# DFCA@ `nqm fq
`ayftenv ru{qufcl mrrm{yucfyfeq ym fcy{miuae
k{`cagneqq-`lecy k`chfcl qmnuyfmcq ym fca{e`qe
muy{e`ag fc ucie{qe{tei `{e`q#
@q md @r{fn 12. ;200. DFCA@ g`i r{mtfiei dfc`caf`n
qe{tfaeq ym jm{e yg`c 705.222 anfecyq |m{ni|fie
yg{mulg ` nm`c rm{ydmnfm md ce`{nv )992 jfnnfmc.
`ccu`n nm`c ifqku{qejecyq md qmje )72 jfnnfmc
re{ jmcyg. `ci ` {er`vjecy {`ye md jm{e yg`c 6
re{aecy# Tmnucy`{v q`tfclq kv DFCA@ anfecyq fq
ce`{nv );5 jfnnfmc#
Tmnucy`{v q`tfclq kvDFCA@ anfecyq fq ce`{nv
);5 jfnnfmc#
Rmm{ remrne. nfheete{vmce enqe. ceei `
dunn {`cle md ffc`caf`n
qe{tfaeq? |m{hfcl a`rfy`n
dm{ ygef{ kuqfceqqeq8
a{eify ym genr jeey nfde
eje{lecafeq `q |enn `q
ete{vi`v ceeiq8
fcqu{`cae ym {eiuae
tunce{`kfnfyv8 `ci ` q`de
rn`ae ym iermqfy q`tfclq#
7/30/2019 Financial Inclusion Brochure
11/24
Dmuciei? 066