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This thesis book is largely motivated by the sensitivity of the researcher towards the issues of marginal sections and vulnerable groups of the society who are excluded from mainstream social, economic, and political development. Financial inclusion is one of the best approaches to break the poverty circle and improve the standard of living among marginal groups. The appropriate econometric and statistical tools have been employed in order to achieve the objectives of the research work. The study suggests that the government of India should focus on bank branch penetration and should offer...