longer period due to the sheer diversity in demographic profiles among different states. by 2016, in three states - tamilnadu, kerala and andhra pradesh – the proportion of the elderly as a percentage to the total population will be in excess of 10 per cent. on the other hand, uttar pradesh and bihar, the two most populous states of india, are likely to have the lowest share at 6. 7 per cent and 7. 1 per cent respectively. a preliminary observation based on the migration data as per census 2001 shows that uttar pradesh and bihar are the two states already experiencing the highest number of people emigrating to other states in india. employment appears to be the dominant factor for migration and this is a positive factor for us. in brief, the demographic profile of india may, in some ways, be mimicking the global profile. it is interesting that the extreme diversities of the world in terms of languages, religions, ideologies and traditions are reflected in india. there is an overwhelming preference in indian society and polity for coordination, cooperation and co - option rather than confrontation. in sum, if there is one country that is closest to a well functioning, multi - cultural global village, it is india. indo - us relations in conclusion, some thoughts on indo - us relations would be in order. the single largest segment of the best and the brightest of india residing outside the country is in the usa, and their assimilation is both smooth and productive. an important source of overseas students in the usa is from india, and the indian - americans carry the goodwill for the usa wherever they happen to be. these are among leaders and opinion makers not only in the usa and in india, but also globally. the single largest group of non - resident indian professionals returning to india to participate in the growth story of india are from the usa. finally, as ambassador blackwell said in this very forum, council on foreign relations on february 23, 2006, in a journalist roundtable'indians like the united states. according to the pew poll, [ …. ] " india regards the united states more positively than any other country in the world, it turns out '. thank you, ladies and gentlemen.

##banked villages in the first phase, banks were advised to draw up a roadmap for providing banking services in every village having a population of over 2, 000 by march 2010. banks have successfully met this target and have covered 74398 unbanked villages. in the second phase, roadmap has been prepared for covering remaining unbanked villages i. e. with population less than 2000 in a time bound manner. about 4, 90, 000 unbanked villages with less than 2000 population across the country have been identified and allotted to various banks. the idea behind allocating villages to banks was to ensure availability of at least one banking outlet in each village. ( c ) products bouquet of financial services in order to ensure that all the financial needs of the customers are met, we have advised banks to offer a minimum of four basic products, viz. a savings cum overdraft account a pure savings account, ideally a recurring or variable recurring deposit a remittance product to facilitate ebt and other remittances, and entrepreneurial credit products like a general purpose credit card ( gcc ) or a kisan credit card ( kcc ) ( d ) transactions direct benefit transfer the recent introduction of direct benefit transfer, leveraging the aadhaar platform, will help facilitate delivery of social welfare benefits by direct credit to the bank accounts of beneficiaries. the government, in future, has plans to route all social security payments through the banking network, using the aadhaar based platform as a unique identifier of beneficiaries. in order to ensure smooth roll out of the government ’ s direct benefit transfer ( dbt ) initiative, banks have been advised to : open accounts of all eligible individuals in camp mode with the support of local government authorities. seed the existing and new accounts with aadhaar numbers. put in place an effective mechanism to monitor and review the progress in implementation of dbt. bis central bankers ’ speeches financial inclusion plan of banks financial inclusion plan 2010 – 13 14. we have encouraged banks to adopt a structured and planned approach to financial inclusion with commitment at the highest levels, through preparation of board approved financial inclusion plans ( fips ). the first phase of fips was implemented over the period 2010 – 2013. the reserve bank has sought to use the fips as the basis for fi initiatives at the bank level. rbi has put in place a structured, comprehensive monitoring mechanism for evaluating banks ’ performance against their fip plans.