Observations from Andhra Pradesh

A Critical Look at the Expansion of Banking Services through the Business Correspondent Model

Examining the role of business correspondents in the expansion of banking services in Chittoor, Kurnool and Mahabubnagar districts of Andhra Pradesh, this paper attempts to shed light on what has been accomplished through the business correspondent model. Based on observations in the field, the findings are not readily extendable to all of India, though they make it possible to point to some policy suggestions. A major proposition is that individual business correspondents can be more effective than the other types of business correspondents in expanding financial inclusion through the business correspondent model, at least in Andhra Pradesh.

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