It had the trappings of a blockbuster reform, but lost its way in policy tinkering and bad execution. This is how one could sum up the financial inclusion efforts of the Union Government and the public sector banks, especially in North India, in recent years. Misguided policy interventions and hiccups in financial inclusion architecture design at the Finance Ministry level implied that little gains could be achieved in the areas of ATM rollout by public sector banks or business correspondents (BCs).........
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