The cause of this paper is to verify the stage of banking penetration in a pattern village and to locate the relationship between financial institution bills and associated factors, such as occupation, earnings, and asset-holding status. Two-thirds of the respondents have the inclination to avail of credit score services for dairy and for different commercial enterprise activities. Using chi-rectangular analysis, good-sized relationships had been installed between financial institution accounts and applicable factors, such as occupation, profits and asset-holding pattern. While the usage of logistic regression, we discover that having a financial institution account has a tremendous correlation with income. The findings furnish realistic implications for bankers in phrases of supplying banking offerings in rural areas. The present hole in credit score services provides manifold possibilities to bankers for offering quite a number credit score facilities. Since the findings point out that majority of the respondents exhibit an inclination for availing savings for dairy activities, tips are provided for tapping viable customers. The article affords no longer solely precious recommendations to bankers and academicians however additionally to the authorities and coverage our bodies for designing and monitoring monetary inclusion targets.