Financial inclusion is reaching India’s rural population that was once beyond the reach of public services. Modernized residents of far-flung communities are able to open bank accounts though challenges remain as some folks are ignorant of paperwork and processes. 

When the sister of Jitu Munda died, she left her savings deposited at the Indian Overseas Bank (IOB) branch in India’s eastern state of Odisha. The brother, a member of a tribal community, was aware of the money and went to the bank to withdraw from the account.