India has come a long way in expanding access to financial inclusion, particularly through recent financial inclusion initiatives that have substantially improved the overall financial inclusion landscape. However, challenges remain, such as less than optimal usage of financial services and persistent disparities in access across regions and socio-economic groups. Drawing on the Rangarajan Committee report, which says that true financial inclusion requires access to a full range of financial services, this book provides an in-depth analysis of the key aspects of financial inclusion—credit, savings, insurance, and remittances. The book is structured around two levels of analysis with the aim of providing a comprehensive understanding of financial inclusion in India. At the macro level, we examine the extent of financial inclusion across various Indian states using supply-side data from banks. At the micro level, we delve into household-level data to investigate the access to and usage of key financial services. Together, these perspectives provide a detailed account of both institutional outreach and household behaviour. This concluding chapter summarises the major findings of the book and offers policy suggestions aimed at strengthening both access to and active usage of financial services.