This paper is an attempt to analyze the status of financial inclusion in
the state of Jharkhand, India. It tries to evaluate the efficiency of
the financial institutions in terms of their outreach to clients and
overall client satisfaction. Responses were collected separately from
the service providers and customers through two different questionnaires
and a convenience sampling method was adopted to select the
respondents. Hypotheses development and testing was done to analyze data
using a regression model. The first questionnaire examined the
relationship between various financial inclusion determinants with
“Outreach” and the second questionnaire studied the relationship between
financial inclusion determinants with “Customer satisfaction.”  The
empirical results of the study exhibit that the financial inclusion
determinants have a positive effect on the outreach to clients and
overall customer satisfaction levels and improve the customers’
financial as well as their social capital base. This in turn fosters the
financial inclusion activity in the region.