Sreejith, A. and Nair, Manju S.  <br/><br/>
Specificities of financial inclusion: A study of savings and credit accounts of financially included households in Kerala  

 - Social Science in Perspective   
 - 18(1), Jan-Mar, 2026: p.27-46 
<br/><br/> Financial inclusion is considered to be a leading factor and a prerequisite condition for inclusive growth and thereby social inclusion. Among the states, Kerala is considered to be fully financial included state though it lacks inclusive growth. –Reproduced