Published Paper Details:

ABSTRACT Financial inclusion has been defined as "the process of ensuring access to financial services, timely and adequate credit for vulnerable groups such as weaker sections and low-income groups at an affordable cost". (Committee on Financial Inclusion - Chairman: Dr C Rangarajan, RBI, 2008).India being a signatory since 2008 to the UNCRPD ( United Nations Convention On the Rights of Persons with Disabilities) has an international obligation to promote, defend and reinforce human rights of the disabled. Financial inclusion is considered as a powerful tool for economic and financial independence of vulnerable group of differently-abled people who are often subjected to marginalisation and poverty. The study is undertaken on a sample of 200 individuals from the state of West-Bengal, India to draw comparative picture on how far the financial/banking services are accessible and are used/utilised equally among differently-abled and non-differently-abled people . Thereby introspecting on the level of financial inclusion in differently-abled people(Pwd) and also analysing their role in financial decision making at home.