The rapid expansion of digital finance in India is changing the way people access, manage and use financial services. “Even though much is written about urban and working-class individuals around financial inclusion, there has been less of a focus on working and non-working women in semi-urban and rural areas. This paper analyses the influence of the usage of digital finance on financial inclusion and literacy among the non-working women in the Bardoli Taluka, Gujarat. Measuring the degree of digital financial adoption, challenges encountered and its impact on taking better financial decisions, the research shows how tools like mobile banking, Unified Payments Interface (UPI), e-wallets and digital savings platforms are enabling working and non-working women to become more financially independent and active. The results imply the role of digital finance as an enabler in minimising the gender gap in financial access, but challenges such as levels of digital literacy and trust, and infrastructural deficits, persist.