Anindito Mukherjee Commuters walk past an advertisement of Bank of Baroda, India's second-biggest state-owned bank, at a busy street in New Delhi, India, June 11, 2015. More than half of a record 160 million accounts opened in India as part of a drive to offer banking to all are still empty, illustrating the massive task ahead for one of the government's most high-profile campaigns and the strain on banks. Prime Minister Narendra Modi launched a scheme last August to end "financial untouchability", an ambitious project to enable tens of millions to have access to a bank. The scheme offers free insurance and even an overdraft facility and aims to eventually help deliver all subsidies and other social benefits to the poor directly. REUTERS/Anindito Mukherjee

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