  In the following study, we inquire into the financial inclusion from a demand
side perspective. Utilizing IHDS round-1 (2004-05) and round-2 (2011-12),
starting from a broad picture of demand side access to finance at the country
level, we venture into analysing the patterns at state level, and then lastly
at district level. Particularly at district level, we focus on agriculture
households in rural areas to identify if there is a shift in the demand side
financial access towards non-agriculture households in certain parts of the
country. In order to do this, we use District level 'Basic Statistical Returns
of Scheduled Commercial Banks' for the years 2004 and 2011, made available by
RBI, to first construct supply side financial inclusion indices, and then infer
about a relative shift in access to formal finance away from agriculture
households, using a logistic regression framework.
