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Title: ANALYSIS OF PERFORMANCE OF COMMERCIAL BANKS ON FINANCIAL INCLUSION IN KERALA STATE WITH SPECIAL REFERENCE TO CREDITS AND LOANS.
Authors: M. Neelakandan , Dr. I. Maruthi
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M. Neelakandan , Dr. I. Maruthi Institute for Social and Economic Change, Bangalore
MLA 8 Neelakandan, M., and Dr. I. Maruthi. "ANALYSIS OF PERFORMANCE OF COMMERCIAL BANKS ON FINANCIAL INCLUSION IN KERALA STATE WITH SPECIAL REFERENCE TO CREDITS AND LOANS." Int. j. of Social Science and Economic Research, vol. 4, no. 2, Feb. 2019, pp. 901-929, ijsser.org/more2019.php?id=70. Accessed Feb. 2019. APA Neelakandan, M., & Maruthi, D. (2019, February). ANALYSIS OF PERFORMANCE OF COMMERCIAL BANKS ON FINANCIAL INCLUSION IN KERALA STATE WITH SPECIAL REFERENCE TO CREDITS AND LOANS. Int. j. of Social Science and Economic Research, 4(2), 901-929. Retrieved from ijsser.org/more2019.php?id=70 Chicago Neelakandan, M., and Dr. I. Maruthi. "ANALYSIS OF PERFORMANCE OF COMMERCIAL BANKS ON FINANCIAL INCLUSION IN KERALA STATE WITH SPECIAL REFERENCE TO CREDITS AND LOANS." Int. j. of Social Science and Economic Research 4, no. 2 (February 2019), 901-929. Accessed February, 2019. ijsser.org/more2019.php?id=70.
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Abstract: Even though more than 150 Million under privileged has access to banking facilities, still a major portion of the world population is excluded from financial services. Indian scenario is little different, more than the half of the weaker section of the society does not have accesses to banking segment. As per the statistics nearly 25 % of the people are living below poverty line. Most of their incomes are less than minimum required for lively hood and they are living in unlivable condition. As India is developing country, more concentration is given growth and development aspects like per capita income, GDP etc. Our government during its eleventh five year plan thought of inclusive growth by various measures. One of the major steps taken is financial Inclusion. Kerala is one of the well governed states with high literacy rate. Kerala tops among the states on implementation of various poverty alleviation schemes and participatory democracy. Since a decade, Financial Inclusion is buzzword of economic growth and development. It refers to delivery of financial service to masses including the under privileged and disadvantaged groups, which will in turn help them to come out of poverty and vicious cycles. Financial Inclusion is a bridge which will reduce the differences and gaps between the have and have-nots. The present study aims to analyze the performance of commercial Banks on Financial Inclusion over a period of three years. Secondary data is used for the analysis and the results found to be positive that increase in number of branches, ATM, Deposits and Credit have contributed much for increasing financial inclusion.

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