According to data from the World Bank, India is home to nearly 190 million unbanked individuals who are left out of mainstream financial services. The main reasons for this are lack of credit history, low or no education, lack of language skills and commercially unviable geographies. It is a herculean task to reduce the number of financially excluded individuals as there is no apparent solution to this problem. The dream of making ‘Bharat’ a part of the mainstream, with access to financial products and, hence, to economic empowerment is still quite distant.