Financial Inclusion And Online Banking: A Study On Women Customers Of Hamirpur, Himachal Pradesh

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Dr Ampu Harikrishnan , Neha Ugyal , Dr R.K. Gupta


Financial inclusion aims that every household and person should have a bank account so that they can use basic financial services. RBI and the government take various initiatives to promote financial inclusion among people like no-fill accounts, Jan Dhan Yojana, etc. They want to promote financial inclusion through online banking and cashless transactions in the country. In 2016, the Government introduced demonetisation to reduce the circulation of black money and promote online banking services in India. For achieving 100% financial inclusion women must play an important role. The objectives of the present study are to check the demographic influence on the usage of online banking by females in Hamirpur district of Himachal Pradesh. Random sampling technique applied, both primary and secondary data used for the study. A structured questionnaire was used to collect the primary data and the same was analysed with the help of SPSS. The study reveals that income has a statistically significant relationship with the usage of online banking services. Whereas, age and occupation have a statistically insignificant relationship with the usage of online banking services. Further, online banking is useful, time-saver, and helpful for women empowerment.

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