Financial inclusion reports show that Karnataka leads with improved financial inclusion and secured tenth place with a CRISIL Inclusix score of 57.7. This is the first comprehensive measure of financial inclusion in India in the form of an index calculated by CRISIL. In this regard, an attempt was made to find out the reality in rural areas regarding financial inclusion, what are the factors associated with financial inclusion. The survey clearly shows that 73 percent of households are included in the formal financial system. This inclusion is mainly due to the presence of self-help groups in certain villages. But due to lack of basic infrastructure such as adequate power supply and internet access, as well as lack of financial literacy, they are unaware of online banking and mobile banking. It is also clear from the study that the majority of households are unaware of other means of investment available in the market, such as stock markets, mutual funds, etc. This finding suggests that the government and NGOs should educate the people about investment products and motivate them to save money and invest in investment products....