Impact of Financial Inclusion Programmes on Customers’ Welfare (A Comparative study of Punjab and Haryana)

For achieving the goal of financial inclusion the demand side constraints which relates to customers, need to be examined so that remedial measures can be taken to address the issues. Banks and other financial institutions alone cannot bring people out of poverty by making available various financial products like savings, finance and insurance, the success of the financial inclusion plans lies in the hand of those who use these products and services in a manner that lead to their economic wellbeing. The present paper endeavours to study the perception of bank customers of Punjab and Haryana regarding financial inclusion programmes on the basis of various factors such as Convenience, Social Welfare and Financial Benefit.