Here's few of many studies in your mentioned topic.

- Iftekhar

http://www.emeraldinsight.com/doi/full/10.1108/JFEP-01-2015-0004

http://www.sciencedirect.com/science/article/pii/S0186104217300104

http://www.sciencedirect.com/science/article/pii/S0161893813000148

http://www.sciencedirect.com/science/article/pii/S1877042812007604

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2946954

https://link.springer.com/chapter/10.1057/978-1-137-58337-6_7

http://www.econjournals.com/index.php/ijefi/article/view/1726

http://journals.acrn.eu/resources/Journals/201302d.pdf

https://iimb.ac.in/research/sites/default/files/WP%20No.%20474.pdf

http://www.cafral.org.in/sfControl/content/Speech/1118201374008PMPaperChallengestoFinancialInclusioninIndiaTheCaseofAndhraPradesh.pdf

Hello

I suggest to read JM Servet and Isabelle Guérin, specialists of financial inclusion see the references below

Guérin I. Morvant-Roux S. Villarreal M. (eds) (2013) Microfinance, debt and Over-indebtedness. Juggling with money, London : Routledge.

Guérin I. D’Espallier B. Venkatasubramanian G. (2016) The social regulation of markets. Why microcredit fails to promote jobs in rural South India, Development and Change, 46(6) : 1277-1301.

Guérin I. Roesch M. Venkatasubramanian G. D’Espallier B. (2012) Credit from whom and for what ? Diversity of borrowing sources and uses in rural South-India, Journal of International Development, (24) : S122-S137

good luck

Please try this the following two links for your question: Can anyone help me with some good articles on financial inclusion in India?

https://iimb.ac.in/research/sites/default/files/WP%20No.%20474.pdf

vijaysvision.blogspot.com/2015/11/financial-inclusion-in-india-over-view.html

Try this: https://www.crisil.com/pdf/corporate/CRISIL-Inclusix-Volume-III.pdf 

Thank you all