The smartphone boom has seen augmented usage of mobiledevice across all walks of life. Its inclusion is to such an extent that the Government what it had not achieved in the past it has been able to achieve now. Mobile banking is based on smart phone based or USSD based determined by income and literacy. Financial Inclusion is a much discussed topic in the developing countries even to this day. People in the developing countries have less options for transferring funds and accessing banking services due to lack of infrastructure. So a better facility which helps in accessing the banking services without the visit to the brick and mortar branch Growing facilities, awareness, reachability has improved the accessibility and can be enjoyed by all the income groups. Banking services in India are used by customers by downloading various mobile banking apps on their phones. These services include fund transfers, request for cheque book, bill and credit card payments, loan statements. People can use different government services they need and can access any information about them Thus, mobile banking users are motivated to expand their usage of various financial products/services to enjoy improved access to liquidity and improved financial inclusion. Employment of smartphones has made life easy for both the Government and the people in achieving financial inclusion.