LIST OF TABLES

Table Page

1.1 Percentage of Financial Inclusion Prevailing in India 6

1.2 Statistics on Financial Inclusion In India 10

1.3 Sample Distribution of Beneficiaries 17

1.4 Sample Distribution of Accountholders 17

3.1 Position of Households Availing Banking Services 91

3.2 Progress of SHGs 95

3.3 MFI-Bank Linkage: Bank Loans Disbursed and Outstanding 99

3.4 World Bank's FINDEX - Select Indicators on Financial Inclusion - 2011 102

3.5 Progress of Financial Inclusion in India 106

3.6 Financial Inclusion in India 107

3.7 Financial Inclusion in Tamilnadu 110

3.8 Number of Primary Agriculture Co-Operative Societies 116

3.9 Number of Members 117

3.10 Deposits and Borrowings 119

3.11 Number of Borrowers 120

3.12 Loan Issued 121

4.1 Age and Scheme wise Classification of Sample Beneficiaries 127

4.2 Gender and Scheme wise Classification of Sample Beneficiaries 129

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4.3 Nature of the Family and Scheme wise Classification of Sample 130
Beneficiaries
4.4 Educational Status and Scheme wise Classification of Sample 131
Beneficiaries
4.5 Marital Status and Scheme wise Classification of Sample Beneficiaries 133

4.6 Family Size and Scheme wise Classification of Sample Beneficiaries 134

4.7 Type of House and Scheme wise Classification of Sample Beneficiaries 136

4.8 Occupation and Scheme wise Classification of Sample Beneficiaries 137

4.9 Monthly Income and Scheme wise Classification of Sample 139

Beneficiaries

4.10 Spouses/Parents’ Monthly Income and Scheme wise Classification of 141

Sample Beneficiaries
4.11 Family Monthly Income and Scheme wise Classification of Sample 143
Beneficiaries
4.12 Socio -Economic Profile of Sample Beneficiaries – Chi Square Test 145
Results
4.13 Impact of Financial Inclusion on Average Income of Beneficiaries of 147
KCC Scheme
4.14 Impact of Financial Inclusion on Average Income of Beneficiaries of 149
SHG Scheme
4.15 Impact of Financial Inclusion on Average Income of Beneficiaries of 151
Micro Credit Scheme
4.16 Impact of Financial Inclusion on Average Income of Beneficiaries of 152
AJL Scheme
4.17 Impact of Financial Inclusion on Average Income of Beneficiaries of 154
JLG Scheme

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4.18 Impact of Financial Inclusion on Average Income of Beneficiaries of 155
Various Schemes
4.19 Impact of Financial Inclusion on Average Assets of Beneficiaries of 158
KCC Scheme
4.20 Impact of Financial Inclusion on Average Assets of Beneficiaries of 160
SHG Scheme
4.21 Impact of Financial Inclusion on Average Assets of Beneficiaries of 161
Micro Credit Scheme
4.22 Impact of Financial Inclusion on Average Assets of Beneficiaries of AJL 163
Scheme
4.23 Impact of Financial Inclusion on Average Assets of Beneficiaries of JLG 164
Scheme
4.24 Impact of Financial Inclusion on Average Assets of Beneficiaries of 166
Various Schemes
4.25 Impact of Financial Inclusion on Average Savings of Beneficiaries of 169
KCC Scheme
4.26 Impact of Financial Inclusion on Average Savings of Beneficiaries of 170
SHG Scheme
4.27 Impact of Financial Inclusion on Average Savings of Beneficiaries of 171
Micro Credit Scheme
4.28 Impact of Financial Inclusion on Average Savings of Beneficiaries of 173
AJL Scheme
4.29 Impact of Financial Inclusion on Average Savings of Beneficiaries of 174
JLG Scheme
4.30 Impact of Financial Inclusion on Average Savings of Beneficiaries of 175
VRDCC Bank Ltd.
4.31 Impact of Financial Inclusion on Average Borrowings of Beneficiaries 179
of KCC Scheme

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4.32 Impact of Financial Inclusion on Average Borrowings of Beneficiaries 180
of SHG Scheme
4.33 Impact of Financial Inclusion on Average Borrowings of Beneficiaries 182
of Micro Credit Scheme
4.34 Impact of Financial Inclusion on Average Borrowings of Beneficiaries 183
of AJL Scheme
4.35 Impact of Financial Inclusion on Average Borrowings of Beneficiaries 185
of JLG Scheme
4.36 Impact of Financial Inclusion on Average Borrowings of Beneficiaries 186
under various Schemes
4.37 Impact of Financial Inclusion on Standard of Living of Beneficiaries 190
under KCC Scheme
4.38 Impact of Financial Inclusion on Standard of Living of Beneficiaries 192
under SHG Scheme
4.39 Impact of Financial Inclusion on Standard of Living of Beneficiaries 194
under Micro Credit Scheme
4.40 Impact of Financial Inclusion on Standard of Living of Beneficiaries 196
under AJL Scheme
4.41 Impact of Financial Inclusion on Standard of Living of Beneficiaries 198
under JLG Scheme
4.42 Deficiency Index (DI) Before and After Financial Inclusion Periods 200

4.43 Reliability Analysis for Variables of Factor Analysis 202

4.44 KMO and Bartlett's Test 203

4.45 Opinion of the Beneficiaries – Eigen Values 204

4.46 Opinion of the Beneficiaries – Rotated Component Matrix 205

4.47 High Loadings of the Factors 209

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5.1 Age of Sample Accountholders 212

5.2 Gender of Sample Accountholders 213

5.3 Marital Status of Sample Accountholders 214

5.4 Type of the Family of Sample Accountholders 215

5.5 No. of Adults in Sample Accountholder’s Family 216

5.6 No. of Children in Sample Accountholders’ Family 217

5.7 Educational Qualification of Sample Accountholders 218

5.8 Occupation of Sample Accountholders 219

5.9 Monthly Income of Sample Accountholders 220

5.10 Income of the Spouse/Parent of Sample Accountholders 221

5.11 Total Number of Earning Members in the Family of Sample 222

Accountholders
5.12 Total Monthly Family Income of Sample Accountholders 223

5.13 Number of Years of Maintaining Accounts in VRDCC BANK LTD. 224

5.14 Nature of Accounts 225

5.15 Reliability Analysis for Variables of Factor Analysis 227

5.16 KMO and BARTLETT'S Test 228

5.17 Opinion of the Accountholders – Eigen Values 229

5.18 Opinion of the Accountholders – Rotated Component Matrix 230

5.19 High Loadings of the Factors 233

5.20 Awareness of Financial Inclusion Schemes in VRDCC Bank Ltd. 235

6.1 Ratios for Evaluating the Performance of VRDCC Bank Ltd. 246

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6.2 Capital Adequacy Ratio 248

6.3 Debt-Equity Ratio 249

6.4 Proprietary Ratio 251

6.5 Total Advances to Total Assets Ratio 252

6.6 Government Securities to Total Investments Ratio 254

6.7 Gross NPAs to Net Advances Ratio 256

6.8 Net NPAs to Net Advances Ratio 257

6.9 Total Investments to Total Assets Ratio 258

6.10 Net NPAs to Total Assets Ratio 259

6.11 Total Advances to Total Deposits Ratio 261

6.12 Assets Turnover Ratio 262

6.13 Diversification Ratio 263

6.14 Return on Assets 264

6.15 Return on Equity 265

6.16 Spread to Total Assets 267

6.17 Operating Profit to Average Working Fund Ratio 268

6.18 Interest Income to Total Income 269

6.19 Current Ratio 270

6.20 Quick Ratio 272

6.21 Liquid Assets to Total Deposits Ratio 273

6.22 Liquid Assets to Total Assets Ratio 274

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6.23 Liquid Assets to Demand Deposits Ratio 275

6.24 Government Securities to Total Assets Ratio 276

6.25 Select Indicators of Financial Inclusion - Cross Country Analysis 279

6.26 Coverage of Banking Services in India 282

6.27 Index for Branch Penetration 283

6.28 Index for Deposit Penetration 285

6.29 Index for Credit Penetration 287

6.30 Index for Overall Penetration Index of VRDCC Bank Ltd. 289

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 LIST OF FIGURES

Figure Page
1.1 Virudhunagar District Map 25
3.1 Financial Inclusion among the Unbanked and the Under Banked but 84
Bankable Population
3.2 Need For Financial Inclusion 89
3.3 Account Penetration in Different Countries 105
3.4 Organizational Structure of RCCS in India 114
4.1 Impact of Financial Inclusion on Average Income of Beneficiaries 157
of Various Scheme
4.2 Impact of Financial Inclusion on Average Assets of Beneficiaries 167
of various Schemes
4.3 Impact of Financial Inclusion on Average Savings of Beneficiaries 177
of various Schemes
4.4 Impact of Financial Inclusion on Average Borrowings of 188
Beneficiaries under various Schemes
4.5 Impact of Financial Inclusion on Average Standard of living of 201
Beneficiaries under various Schemes
5.1 Awareness of Financial Inclusion Schemes in VRDCC Bank Ltd. 236
6.1 Dimensions and Parameters Used to Measure Financial Inclusion 278
6.2 State-wise Index of Financial Inclusion 281
6.3 Index for Branch Penetration 284
6.4 Index for Deposit Penetration 286
6.5 Index for Credit Penetration 288
6.6 Overall Penetration Index of VRDCC Bank Ltd. 290

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