India has the largest rural population in the world. so it is very important to have a look towards rural people to promote banking habits. This is possible through proper mechanism so that all the available resources may be channelized from top to bottom of the rural society. The term Financial Inclusion is an innovative idea which gives alternative techniques to promote the banking habits of the rural people. Financial Inclusion consists banking and various financial services to all people in a very fair, transparent and affordable way of cost. Low income group mostly lack access to bank account and have to spend money and time for many visits to avail the banking facilities, like operating account, this group found it with more difficulties to save or invest for future. This article is an attempt to think all about overview of Banking Habits in reference to Financial Inclusion in India.