India has made remarkable progress in expanding access to formal finance. Bank accounts, digital payments, direct benefit transfers, Jan Dhan, Aadhaar-enabled services, UPI, credit platforms and a wider banking network have transformed the architecture of financial inclusion. The next challenge is to ensure that financial access translates into tangible outcomes: assets created, livelihoods strengthened, enterprises financed, risks mitigated and jobs generated..
This is the context for Banking Bharat for Inclusive Growth. The conference examines how India’s financial system can move from access to outcomes and from financial inclusion to productive and resilient finance. Inclusion can no longer be measured only by accounts opened, transactions processed or loans disbursed. It must be assessed by whether finance improves household security, supports farmers, strengthens small enterprises, creates local employment and builds resilience to economic, health, climate and business shocks.
SKOCH defines inclusive growth as spatially dispersed, job-generative, equitable and sustainable. Banking is central to each of these dimensions. It enables spatially dispersed growth by financing households, farmers and enterprises beyond metropolitan centres. It supports job generation through MSMEs, self-employment, rural enterprises and local value chains. It contributes to sustainability when finance supports climate-resilient agriculture, green MSMEs, clean mobility, energy efficiency, insurance protection and responsible lending.
The conference takes a broad view of banking and finance. Credit remains central, but inclusive growth also requires savings, insurance, pensions, guarantees, digital infrastructure, risk management, and financial literacy. The key question is whether the financial system can help people move from vulnerability to security, from subsistence to enterprise, and from access to opportunity.
A focused discussion on Retail, Agriculture and MSME Finance: Credit, Insurance and Livelihoods will examine the practical channels through which banking reaches Bharat. Retail finance can support housing, education, mobility, savings, pensions and insurance. Agriculture finance must move beyond seasonal crop loans towards rural livelihood finance, including allied activities and farm mechanisation. MSME finance must support working capital, supply-chain finance, cash-flow-based underwriting, credit guarantees and enterprise formalisation.
Insurance is integral to this architecture because credit enables investment, while insurance protects that investment against shocks. The conference will also examine how digital public infrastructure, data-led underwriting, account aggregators, fintech partnerships and branch-level trust can improve access without compromising prudence. The goal is not indiscriminate credit expansion, but rather finance that is productive, responsible and sustainable.
Arrival, Meet and Greet
Welcome Dr Gursharan Dhanjal, Vice Chairman, SKOCH Group
Financial Deepening in India: Scale, Function and the Regulatory Frontier: Mr Rohan Kochhar, Founder, SKOCH Law Offices & Mr Sameer Kochhar, Chairman, SKOCH Group
Prof S Mahendra Dev, Chairman, Economic Advisory Council to the Prime Minister (EAC-PM)
Conferring of SKOCH Challenger Award
Mr Swarup Kumar Saha, Managing Director & CEO, Punjab & Sind Bank
Mr Lal Singh, Executive Director, Bank of Baroda
Mr Jiji Mammen, Executive Director & CEO, SaDhan
Mr Anil Bhardawaj, Secretary General, FISME
Awards