This paper focuses on the usage of accounts to avail various financial services under the financial inclusion drive by the Government of India. It examines the factors affecting the use of financial services by 500 respondents from three districts of Punjab, namely Jalandhar, Gurdaspur, and Sangrur. It investigates financial services such as deposits, withdrawals, loans, remittances, and insurance. It applies logistic regression to understand the factors affecting the usage of these services. Education was the most significant of these factors, indicating the need for promoting financial literacy among the masses, especially those who are marginalised.
