Which one of the following is the most logical, rational and crucial inference that can be derived from the above passage?
Answer & explanation
Answer: (c) Meaningful financial inclusion in India requires that banking correspondents have diverse skills.
Banking correspondents are expected to deliver not just basic accounts but financial education and literacy, accident and life insurance and micro pension schemes. For inclusion to be meaningful, these last-mile workers need a range of skills.
- ✗ (a) The passage says outreach 'may succeed only if' incentives improve; it does not say present efforts have failed.
- ✗ (b) The passage asks for better incentives and investment in correspondents, not more of them.
- ✓ (c) Financial literacy work plus insurance and pension products alongside accounts call for correspondents with diverse skills.
- ✗ (d) The one-bank limit is questioned, but 'impossible unless' is too strong; the condition the passage states is better incentives.
Remember · Pick the option that follows from what the passage says the workers must deliver; reject 'impossible unless' and claims of failure it never makes.
Question and answer: UPSC's official GS Paper II (2019, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). ·