Financial inclusion participants are those individuals or businesses involved in either direction of a financial transaction, whether they are financially included or financially excluded. Money often travels through the banking system, post offices, insurance, and FBFC channels. The MSE operates savings, current, or loan accounts with banks and engages in financial transactions with other government financial agencies as well as some NBFCs in the private sector. Through a number of recent initiatives from the Indian government and banking sector, including MNREGS, Jandhan, Atal Pension Yojna, MUDRA, and others, financial inclusion has performed better than before. Exclusive financial inclusion programmes for MSE credit include the MUDRA plan, credit programmes for MSE, KVIC, and Coir businesses, the Kishan credit card, and the General Credit Card. Less than 40% of MSEs receive benefits from scheduled commercial banks; as of 2017–18, the lending institutions only provided credit facilities totaling Rs. 1337 billion. The current situation and possibilities for financial inclusion at a certain level of employment and unit density are examined in the article.