access to banking services for women has increased over the years even though this has favoured more urban women in more developed regions and socioeconomic groups chavan the indian national bank for agricultural and rural development nabard has various initiatives to promote the financial inclusion of women for instance facilitating selfhelp groups shgs which are mostly composed of women to access credit from formal banking channels nabard similarly many women face difficulties in accessing credit at sustainable interest rates to alleviate this constraint the government provides credit guarantees through the trade scheme with a specific target for womenowned enterprises