authors
M Syam Babu and OAR Kishore

abstract
Digital and financial literacy are critical enablers of inclusive growth in India, especially in the context of a rapidly digitizing economy and expanding financial ecosystem. With a large section of the population still excluded from formal financial systems and digital access, efforts to improve literacy in these domains are gaining strategic importance. This article explores the current state of digital and financial literacy in India, examines key government and private sector initiatives, and evaluates their effectiveness in empowering individuals and communities. The study also delves into the challenges faced in rural and underserved areas, the gender divide, and the impact of literacy on financial inclusion, economic empowerment, and social development. The article concludes with recommendations to strengthen India’s digital and financial literacy framework as a foundation for equitable and sustainable growth.