Union Budget 2023 remains consistent with the Government’sgrowth agenda and aims at small initiatives to achieve a large and lasting impact on the economy in the future. I see three key pillars to this budget that will propel financial inclusion and improve the appetite for financial products in the country. First, the focus on digitization. The government will expand the documents used for Digi lockers (both for individuals and entities)to broaden the digital public infrastructure. In other words, access to info would be quick and secure, enabling millions to initiate their financial journeys. Second, the sustained steps taken towards ease of doing business -especially for the MSME sector. The sector continues to be the spine of the Indian economy, and steps such as Vivaad Se Vishwas, Credit Guarantee, expansion of skill India digital platform, and increase in presumptive taxation would go a long way in further strengthening the sector. In the end, the third one is taxation relief up to Rs. 7 lac of annual income. This in turn wouldalso lead to improving the narrative of investing and insurance in the country.