India, Jan. 28 -- India's financial inclusion landscape in 2025 reflects a shift from expanding access to strengthening the quality and depth of usage. This progress is captured in the Reserve Bank of India's Financial Inclusion Index, which reached 67 in 2025, representing a 24.3% increase since 2021. Women's participation in the formal financial system has expanded significantly. Women now account for 56% of Pradhan Mantri Jan Dhan Yojana account holders, and ministry of finance data shows that women comprised 48% of Atal Pension Yojana subscribers as of October 2025. These trends show the scale and reach of policy-led efforts to broaden financial access and social security coverage.

However, the Financial Inclusion Index also points t...