Name: Naveen Kumar S T
Country: India

Year: 2026
Volume: Volume-11, (Special Issue: March 2026)
Page Number: 82-88
DOI: https://doi.org/10.5281/zenodo.19219874

ABSTRACT
The current research will be an investigation into the determinants of financial inclusion in rural household with a special focus on the financial literacy and awareness levels, inclusive product characteristics, and the place of financial advisors. The paper also measures the effects of these factors on the use of formal financial systems. The exploratory research design was employed, and 100 respondents were taken as the primary data using a structured questionnaire measured on a five-point Likert scale. The data was analyzed through descriptive statistics, reliability analysis and multiple
regression analysis to determine the relationship between the independent variables and the financial inclusion. The results indicate that inclusive product features and financial advisors can strongly affect financial inclusion, but financial literacy and awareness is not statistically significant and affects financial inclusion in the regression model. The findings point to the fact that the product affordability, security, suitability and advisory support are more directly related to promoting inclusion than is
knowledge. The research resolves that inclusive financial products design and increased advisory support mechanisms are essential in enhancing the results of financial inclusion. The policymakers and financial institutions need to pay attention to include measures of trust-building and customeroriented product strategies to increase inclusion in rural settings.

Keywords: Financial Inclusion; Financial Literacy; Inclusive Product Features; Financial Advisors; Rural Households; Multiple Regression Analysis