NSFI 2025-30: Panch-Jyoti to reform Banking, improve Financial Inclusion
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The Reserve Bank of India has launched the National Strategy for Financial Inclusion (NSFI) 2025–30, after it was approved by the Sub-Committee of the Financial Stability and Development Council. The document was officially released on December 1, 2025, by RBI Governor Shri Sanjay Malhotra. The new strategy aims to create a stronger and more inclusive financial ecosystem that ensures easier access, better quality services and responsible use of financial facilities for people across the country.
NSFI 2025–30 is built on five main goals, known as the “Panch-Jyoti”, to improve financial inclusion. These goals include:
- Improving the availability and use of equitable, responsible, suitable and affordable financial services to ensure financial safety and security for households and micro enterprises.
- Adopting a gender-sensitive approach for women-led financial inclusion and using special strategies to improve the financial resilience of underserved and vulnerable households.
- Strengthening the linkages between livelihood, skill development and the wider support ecosystem with financial inclusion.
- Using financial education as a tool to promote financial discipline.
- Enhancing the quality and reliability of customer protection and grievance redressal systems.
The strategy also lists 47 action points to help achieve these objectives. The new framework has been prepared after wide consultations with key institutions such as the Ministry of Finance, SEBI, IRDAI, PFRDA, NABARD, NSDC, and the National Centre for Financial Education. These discussions helped identify challenges, gather inputs, and align efforts toward creating a more inclusive and resilient financial system.
The RBI noted that the earlier strategy, NSFI 2019–24, had led to major progress in expanding banking access, increasing usage of financial services and improving service quality across India. The new NSFI 2025–30 is designed to further build on these achievements and push financial inclusion to the next level, ensuring that every citizen benefits from safe, affordable and reliable financial services.
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