Provision of ATMs to unbanked areas has been another step taken for the same cause. Many banks like SBI and PNB have joined hands with RBI for supporting the cause. PNB and SBI have lent ATMs to many villages and made them aware of the uses of banking. Keeping in mind the problem of electricity failure faced by rural people, PNB has come up with bio-metric ATMs. The biometric facility will enable user identification with the help of thumb impression or imprint of the palm.

The Government, in Union Budget 2010-11 suggested that fresh banking licenses should be issued to private players and NBFCs. This would also be a forward move towards attainment of the goal. RBI has also agreed to the government's proposal.

Furthermore, RBI has decided to set up model villages all over India. These villages would be having a population not less than 2000. Every resident of such villages would be financially literate. These villages would act as models for spreading awareness amongst the nearby villages.

With constant and sincere efforts, the RBI plans to achieve complete financial inclusion by 2012. However, it cannot be achieved by RBI alone. The support of Government, financial institutions-both banking and non banking is vital for the success of this cause.