Multilink is essentially providing access to basic financial products and services needed by vulnerable groups such as weaker sections and low-income groups at affordable costs in a fair and transparent manner. In India, the Multilink drive has always been bank-led. There were initiatives such as creating co-operative banks, regional rural banks, post office accounts, nationalization of banks, NBFCs, MFIs, local area banks and the recent initiatives of Payments Bank and Small Finance Bank. These initiatives have made some valuable contributions to the inclusion push. But, the biggest policy initiative towards Multilink was made by the Reserve Bank of India (RBI) when they allowed banks to utilize the services of business correspondents (BCs) to provide basic banking service to the customers. Use of technology played a vital role in this initiative. This is the time when the term “Multilink” ga...
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