Rapid growth in demand for financial services in recent years in India has reflected rising incomes and increasing urbanisation of the population．
According to the World Bank's database on financial inclusion．35％of adults over the age of 15 in India held deposit accounts at formal financial institutions．T}liS figure will rise in the forecast period．As incomes continue to rise，lending levels should grow further in the long term，along with demand for insurance and asset-management services． Demand will also be boosted by a government scheme to increase access to banking services for the country‘S unbanked-ahout two-fifths of households．
India's programme to create a unique identity for every Indian in a biometric database will allow many to gain access to formal banking． The Economist Intelligence Unit forecasts that bank lending(in local-currency terms)will increase by an average of 14．5％a year in 2015-19，representing a deceleration finm average annual growth of 27．2％over the previOUS five years．Bank deposits will rise by an average of 14％a year in the forecast period，well below the annual estimated rate of 25．5％on average in 2010-14．
These figures are not adjusted for annual inflation．which averaged 9．9％in 2009-13 and is forecast to average 6．2％in 2014-18．

Financial services report 2

Banks 3

Insurers 7

Asset managers 9

Financial markets and instruments 10

Financial regulation 13

Monetary and currency policy 15

India at a glance 17

Fundamental indicators 18

Key contacts 19

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