By: Mr. Dilip Modi, Founder & CEO of Spice Money

“We commend the government’s strong focus on the holistic development of rural India in the Union Budget 2025-26. The initiative to transform India Post into a public logistics organisation is a significant step toward strengthening rural commerce and boosting entrepreneurship opportunities. With 1.5 lakh rural post offices and 2.4 lakh Dak Sevaks, this initiative will serve the needs of women entrepreneurs, self-help groups, MSMEs, and even large businesses. The presence of Dak Sevaks at the last mile will play a crucial role in driving employment-led growth and ensuring seamless access to financial and logistical services for underserved communities.

The launch of customized credit cards with a INR 5 lakh limit for micro-enterprises and a new scheme providing term loans of up to INR 2 crore for first-time women entrepreneurs from underrepresented communities will be game changers in promoting financial inclusion and inclusive development. These initiatives, along with support for MSMEs and investment in innovation, will drive grassroots entrepreneurship and economic resilience.

At Spice Money, our focus has always been on empowering rural India on the back of our extensive network of 14 lakh digital nanopreneurs (Spice Money Adhikaris), bringing essential banking services closer to the underserved. We believe that public-private partnerships are key to solving the challenges of rural India and accelerating job creation. By collaborating with the government and harnessing technology, we can build a truly inclusive and self-reliant Bharat.”