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An Evaluation of Financial Inclusion through Mahatma Gandhi National Rural Employment Guarantee Programme


  • Kundu, AMIT


The government of India had initiated bank payments of wages under Mahatma Gandhi National Rural Employment Guarantee Programme (MGNREGP). This initiative is undoubtedly a big financial inclusion drive particularly among the rural poor of India. This paper has tried to evaluate this financial inclusion drive through MGNREGP in Mandir Bazar block of South 24 Parganas district of West Bengal on the basis of field survey. The picture came out from field research is very encouraging. It is established that a large section of rural poor now have a bank account which they can operate individually without taking much assistance from local panchayat officials or bank officials or any middleman. It is also identified that the women job card holders of the households are deprived to become literate about banking services. This initiative of the government also encourages few participating households to initiate some savings of their wage income.

Suggested Citation

  • Kundu, AMIT, 2013. "An Evaluation of Financial Inclusion through Mahatma Gandhi National Rural Employment Guarantee Programme," MPRA Paper 56072, University Library of Munich, Germany, revised 18 Nov 2013.
  • Handle: RePEc:pra:mprapa:56072

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    More about this item


    Mahatma Gandhi National Rural Employment Guarantee Programme; Wage Payment System; Financial Inclusion; Savings.;

    JEL classification:

    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • J33 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Compensation Packages; Payment Methods
    • J38 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Public Policy
    • R29 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Other


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