The idea of financial inclusion is multidimensional and various definitions of financial inclusion exist in the literature. Financial inclusion means individuals and organizations have access to financial products and services that meet their needs (World Bank). Mahendra Dev (2006) defined financial inclusion as “Delivering of banking services at an affordable cost to the vast section of disadvantage and low-income groups”. Sarma (2008) views that “Financial inclusion ensures accessibility, availability, and usage of formal financial services to all the members of the economy”. It is considered as a key empowering agent of economic growth and placed as a policy priority in most of the developing countries (World Bank, 2018). Supervisor:- Dr. Junaid Ahmed