Financial inclusion leads to economic development that benefits all people. This is especially true for developing areas where access to financial services is still limited. This study determines the level of women's financial inclusion in Nagaland through an analysis of secondary data from National Family Health Survey (NFHS-5), 2019-21 and some indicators of the state are compared with the national data of India. The descriptive analytic method is employed to analyze the three indicators, namely bank account usage by women, mobile phone ownership, and involvement in paid work. The results reveal that the proportion of women who use bank accounts in Nagaland (63. 7%) is less than the national figure (78. 6%), which means there is a gap in the formal financial inclusion. But in the case of mobile phone ownership (82. 5%) and women's paid work contribution (23. 6%), Nagaland is better than India. The study points out that the digital access and banking integration are mismatched as the high mobile penetration has not resulted in the active financial participation. Lastly, the study urges the enhancement of digital financial literacy, the enlargement of banking infrastructure, and the promotion of women-centered financial awareness programs as measures for inclusive financial development in Nagaland.
Saju Mathew (2026) studied this question.