Financial inclusion is modern step taken by the Reserve Bank of India in the recent years. It refers to encouraging people to involve in banking activities. It operates its vision through commercial banks especially in rural areas. The Government of India is continuously attempting to reach out banking facilities to rural areas at affordable prices. The study is made on secondary basis. The study’s main findings include India has still more than 25% of people who are unbanked. The Regulatory made it compulsory to all banks to provide zero-balance “no frills” accounts to low income groups. These accounts provide basic facilities to bank customers such as ATM card. Cash deposit/withdrawals. There is no need to keep minimum balance in these types of accounts, Unified Payments Interface (UPI) and other Digital Infrastructure: The RBI provided technology development environment and thereby provide robust infrastructure facilities such as UPI, Bharath QR and online payment with easy steps. This is possible with basic featured mobile hand phones. The paper concludes that people must change their hobbies from social media to financial education. The models applied in the countries like America, Japan and England can be applied in India also to achieve full financial inclusion by 2040.