The last three-years of Modi can be called the second phase of Indian reforms in post-1991 era, where measures towards stabilisation of Indian economy and introducing components of his successful Gujarat model were unleashed. While the current economic debate is embroiled in inflation in fuel prices, roll-out of GST, falling GDP, demonetisation and so on, there is hardly any attention being paid on the softer side of issues of how Modi’s reforms have brought in lasting changes in bringing about Social, Digital and Financial Inclusion. An analyses by Team INCLUSION

It is said that policymaking is both an art and a science. It is a complex business. However, there is often a set guideline to assess the policy. It is mostly seen from the state's perspective, keeping input at the core. SKOCH State of Governance is the only initiative that sees a policy from citizen's perspective. We look beyond the government's way of evaluation. We evaluate the performance of programme and scheme based on evidence keeping in mind its impact on the citizen at the core.

Undoubtedly the Indian economy is passing through a challenging phase. It is
always easy to harp on problems and give homilies as solutions. But this hardly
changes the situation at the ground. This edition of INCLUSION is focused on
concrete recommendations to bring the Indian economy back on the path of recovery.

The Indian economy is in a bad shape. GDP growth has decelerated for five quarters in a row. The growth slumped to 5 per cent in the first quarter of the current fiscal.
Economists and analysts are struggling with fiscal math as a means for revival
of growth. In fact, in the past few months the government has announced a series of measures to revive the economy. Most of them revolve around fiscal steps.

Macroeconomic stability is a precondition to sustain high economic growth. In the run-up to the general elections a lot of promises have been made on social and economic front. Those promises are bound to impact the macroeconomic situation of the country. There are indications of fiscal slippages and rise in unemployment —Sameer Kochhar

State of Governance: The Definitive and Most Comprehensive List of the Best and the Rest of Indian States and Union Territories

Nicknamed as ‘Roadkari’ and ‘Flyover Minister’, Nitin Gadkari has totally transformed the transport infrastructure landscape in the country today. A visionary with great ideas and innovative approach, he is widely acknowledged as the top performing minister in the Modi Government. From his days as the PWD Minister in Maharashtra to his present role as the Highways, Shipping and Water Resource Minister in the Centre, Gadkari has worked relentlessly to give India a world class transport infrastructure. TEAM INCLUSION looks at his journey and the transformation he has brought about

SKOCH’s annual scrutiny of the State of Governance in India, following which distinguished and eminent jurists make a selection for the SKOCH Governance Awards, has once again brought to the fore some interesting insights about the performance at Central, State and Local Government levels. The Awards show the who’s who—and illustrate the ones that have taken the lead or continue to hold their lead, in improving governance and efficiently delivering services, thereby having a lasting impact on boosting competitiveness and growth and generating employment opportunities.

Professing Indianness has taken media spending to a new high and journalistic ethics to a new low. There are marketing as well as editorial solutions to ‘nationality laundering’. A Chinese company of yesterday becomes an Indian company of today by simply advertising so. The benefits have been there for everyone to see. Uber CEO is happy to take on Indian nationality alongwith  Indian Guest Editorship.

Ushering in demonetisation is a masterstroke of Prime Minister Narendra Modi—killing several birds with a single stone—it was freedom at midnight. Most importantly, a strong and significant move/push towards cashless economy—something that has been part of boardroom debates for a long time. Since 2005, SKOCH has been an ardent votary of cashless economy, electronic tagging and tracking of funds and devolutions right at the local governance level upwards—I call it the New Economy—when we organised the 5th SKOCH Summit on the theme of Rural Delivery Systems and then 7th SKOCH Summit on Measuring Outcomes. It has been a recurring theme ever since.

Modi government is set to complete almost half of its five-year tenure. The government celebrated its second anniversary on 26 May 2016. 

Modi swept into power in 2014 on two major promises—resurrecting the ailing economy and weeding out corruption. 

The Congress-led UPA government was mired in a series of corruption scandals. 

Modi has managed to keep off such controversies.

India has come a long way in last 25 years. But we can’t sit on our laurels. We have to continue to strive hard for India to become the largest economy of the world. Speed of reforms is the only answer, echoes M Venkaiah Naidu

State of Smart Governance: Skoch Smart Governance Awards, which were recently held in Delhi, threw up some encouraging and laudatory statistics.

Innovation and Governance

Renewable Energy: Where is the Complete Package?


India has not had a disruptive Prime Minister in decades. A Prime Minister who thinks big and wishes to see India become a $20 trillion economy in our own lifetime. Challenging? Yes, it is. Impossible? No. Team INCLUSION analyses the path travelled and the road ahead

Digital Dilemma:  To make sure people walk the digital highways, the government has to ensure technlogy neutrality, net neutrality and level playing field for different stakeholders including customers and the industry while restructuring the procurement processes...

Narendra Modi’s first six months have not yielded any significant improvement in economic growth but reforms are underway for ensuring the country climb back to the 8 per cent growth orbit. Some of the policy initiatives that seem to be lacking include a policy for rejuvenating the services sector, a holistic poverty alleviation plan and economic empowerment of women

After two years of sluggish growth, the Indian economy seems to be getting back on track, with GDP growth projected to touch 6 per cent this fiscal from below 5 per cent in the previous two years. States’ role is critical in regaining growth momentum, and achieving India 2.0 targets. A nationwide Skoch study reveals some interesting facts about the state of governance in states and their preparedness to take India to the next level of growth and development, Team Inclusion reports

What should be the agenda for the great leap from India 1.0 to India 2.0? Undoubtedly, economic stability is a sine qua non. An economy can’t sustain the same speed if it has headwinds in the form of high inflation, weak currency and high debt burden and hence high interest rates. In a way, all of these are related and reinforce each other. Economists will say managing the impossible trinity – keeping inflation under control, lowering interest rates and stabilising the currency – isn’t an easy task. But a decisive government and a determined RBI has to prove that their prudent macro-management passes the litmus test. A report by Team INCLUSION

This issue highlights the cover story of Effective Leadership is the Answer.

Mobile Computing,Public Fund Management,Innovation in Service Delivery,Transportation and more...

What went Wrong with the India Growth Story?,





EQUITABLE GROWTH AS A GOVERNANCE CHALLENGE Growth and equity should not be posed as opposing considerations. They must be wheeled together to produce a coherent pattern of development for India, says C Rangarajan,FINANCIAL INCLUSION: A MUST FOR EQUITABLE GROWTH Sustainable high growth sans financial inclusion
is next to impossible. Equally important is productivity and efficiency in financial sector intermediation, and more...

Rethinking Governance,Translating growth into equitable growth,An agenda for India’s growth,Role of reforms and technology in pushing growth and more..

Whither Financial Inclusion,
Creating Competitive Markets Across Sectors,Pricing Natural Resources,Fiscal Consolidation, Subsidy Management and Targeted Subsidy Delivery,Agricultural Marketing Reforms,Land Acquisition and Environmental Clearances,Flexibility for Labour Markets,Fast-tracking Investments and Approvals,Improving Public Services Delivery and more...

At noon on 13th January 2011, 15 year-old Sukrity, a resident of North Tripura, became the one millionth resident whose Aadhaar number was generated by the UIDAI. “It took us nearly six weeks to cross 100,000 (0.1 million) enrolments,” Nandan Nilekani, Chairman of the Unique Identification Authority of India said. “However, it has taken us almost the same time to ramp up from 100,000 to one million Aadhaar enrollments. This success is an auspicious milestone, en-route to our goal of issuing 600 million Aadhaar numbers in the next four years.” A Report by Team Inclusion

Inclusion Magazine Cover - January - March 2020 Edition

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October - December 2019

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April - September 2019

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Inclusion Magazine - October - December 2014

Inclusion is the first and only journal in the country that champions the cause of social, financial and digital inclusion. With a discernable and ever- increasing readership, the quarterly relentlessly pursues the three inclusions through its rich content comprising analysis, reportage, features, interviews, grassroots case studies and columns by domain experts. The magazine caters to top decision makers, policy makers, industry captains, banking, financial services and insurance industries, economists, academia and civil society.

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Inclusion Magazine - Jan - Sept 2017

Inclusion Magazine - Jan - Sept 2017

In this issue

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