The financial inclusion drive of the government is no doubt a noble idea but should not be imposed in a discriminatory manner on banks causing burden on them which is not easy to be handled, said Aditya Puri , CEO and MD of HDFC Bank.

"We cannot have two worlds," said Mr Puri adding that, "we cannot have the haves and have-nots. I think financial inclusion is a political, economical and social necessity. That opening a banking account or giving a loan without creating a repayment capability is not the solution, so please do not have this priority sector targets only for banks."

The financial inclusion drive of the government has been taking every possible route to make India financially literate. As a part of the drive, many measures were mandated on banks but the recent RBI report has shown that despite all possible measures, no frills accounts given out to villagers are remaining inactive because of the simple reason that they do not have money to put in their accounts.

Banks have been directed to lend atleast 40% of their total loans to farmers, but no such mandate has been put on government as well as private companies.