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@article{195524,
        author = {Deepa Iranna Itagi and Dr. Sachindra G .R},
        title = {ADVANCING SUSTAINABLE FINANCIAL INCLUSION THROUGH BANKING: EVIDENCE FROM INDIA’S PUBLIC SECTOR BANKS},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {264-269},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=195524},
        abstract = {The concept of financial inclusion has developed as a key idea in India with the objective of promoting financial development sustainably. Public Sector Banks (PSBs) play the key role in providing financial services to the unserved and rural population through various initiatives undertaken by the government and the development of digital financial banking. This research seeks to explore the role of Public Sector Banks in promoting financial inclusion sustainably in India with reference to the development of digital financial transactions and its impact on financial inclusion performance between 2019 and 2024. The data used for conducting the research is secondary data, which is collected from credible sources such as the Reserve Bank of India, World Bank Global Findex Database, Government of India Reports, and financial data. Quantitative analysis is used for conducting the evaluation of the relationship between the growth of digital banking and financial inclusion. Quantitative analysis includes growth rate analysis, correlation analysis, and trend analysis. From the analysis of the data, it is concluded that there is a constant and considerable growth in digital financial transactions in Public Sector Banks, which is rising from 34 billion in 2019 to 131 billion in 2024. Furthermore, correlation analysis has indicated a strong positive correlation between digital transaction and the Financial Inclusion Index, with the correlation coefficient being approximately 0.98. The results of the study confirmed the critical role of the development of digital banking in improving financial inclusion in terms of access, usage, and efficiency of financial services. The results of the study indicated the need for further development in digital banking, financial literacy, and cybersecurity to sustain financial inclusion in India.},
        keywords = {Financial inclusion, Digital Banking, Public Sector Banks, Digital Transactions, Financial Inclusion Index, Sustainable Development.},
        month = {April},
        }