Which one of the following correctly represents the three key sub-indices of the Financial Inclusion Index (FI-Index) of RBI? [2026]

Which one of the following correctly represents the three key sub-indices of the Financial Inclusion Index (FI-Index) of RBI?

The RBI’s Financial Inclusion Index (FI-Index) comprises three sub-indices: Access (35%), Usage (45%), and Quality (20%).

Financial Inclusion is defined as the availability of affordable financial products and services to meet the needs of individuals and businesses in a responsible and sustainable way. It supports entrepreneurship and business growth, empowers women, and helps manage risks, thereby strengthening economic activity and boosting productivity.
FI-Index is based on 97 indicators, and they quantify the progress in financial inclusion, mainly sensitive to the availability of financial services, ease of access, usage, unequal distribution and deficiency in services, financial literacy and consumer protection. The index ranges from 0 to 100, where 0 indicates no financial inclusion and 100 indicates complete financial inclusion. The index has 3 sub-indices, “Access”, “Usage” and “Quality”, with each sub-index having a respective weight of 35, 45 and 20 per cent respectively.