Financial inclusion is really a system of bringing the people into the main stream of financial behaviour for facing their day-to-day requirements. In Kerala there are many plans and programs adopted by the government to build a strong Financial Inclusion across the states. This is a conceptual study, fundamentally aims to analyse such plans & programs and to arrive at a conclusion about its efficiency as regards its implementation. This research work is also attempts to examine the position of Kerala in terms of overall financial inclusion efforts of India