Exploiting household level survey data, this paper analyses the interface between gender and financial inclusion. The multivariate regressions that take on board several household and state-level controls suggest significant disparities in both the access to as well as the use of finance. More specifically, female-headed households are 10% less likely to access formal finance as compared to households that are headed by males. Similar evidence carries over to the use of finance as well. From a policy standpoint, the paper highlights several policy interventions which can serve the cause of greater financial inclusion of women in the country.
