Vol. 7, Issue 1, Part I (2025)

With the goal of better understanding how and where rural Karnataka residents use banking services, this research investigates the breadth and depth of financial inclusion in this demographic. The study analyses rural individuals' banking service consumption patterns, awareness levels, and motives using a descriptive research approach. Using convenience sampling, we were able to pick 200 respondents from a wide range of socioeconomic backgrounds. Structured questionnaires were used to gather data, which was then methodically recorded and categorized in Excel. The replies were analyzed using descriptive statistics, which include percentages and frequency distributions. In order to improve financial knowledge and accessibility in rural Karnataka, the results highlight current gaps in financial inclusion and point the way for governmental reforms and awareness campaigns.