Given that 33% of the working population in rural India is comprised of salaried workers, shopkeepers, professionals or businessmen, it would be assumed that they would have some use of a bank account. But the reality is that only 38% of rural earners, or 86 million individuals in the earning workforce aged between 18 and 59 years, have a bank account. The other aspect is that three public sector banks between them carry nearly 40% of all rural accounts. There are at least 70 million potential customers who are not receiving banking services. It may be argued that low incomes do not attract banks to rural areas, as only 16% or some 36 million rural earners have annual incomes of Rs1 lakh and above. But 66 million others have incomes of between Rs50,000 and Rs1 lakh, well within the income range of interest to banks.