One of the major components of inclusive rural transformation includes financial inclusion. But focus on access to financial services is insufficient. Widespread access to efficient and sustainable financial services and capital, without which the benefits of the rural transformation cannot be fully realized is now common felt need. This requires a significant expansion of financial resources and budgets, as well as major improvements in the efficiency and institutional sustainability of rural financial systems. Access to finance is essential for promoting inclusive economic growth and reducing the level of poverty in a country. World Bank defines financial inclusion as access to a full range of affordable formal financial products and services, delivered responsibly by sustainable institutions. Around two billion adults worldwide do not have financial account and many small businesses cannot access the financial instruments they need. Financial inclusion is now explicitly recognized in various sustainable Development Goals of the United Nations.