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This is with reference to "Inclusion is more than an account" (Business Line, December 7). The reported fall in small savings is a cause for worry. Besides being a source of assured funds for economic development, household savings meet expected and unexpected expenditure.

The small-saving schemes, which were a good working arrangement to garner savings by households and small traders, appear to be either non-existent or not operational. Incentives, campaigns and diverse banking products will be necessary to attract people, especially the rural folk, to save.

T. R. Anandan

Coimbatore

Letters to the editor and contributions can be sent by e-mail to: bleditor@thehindu.co.in

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