Women have done well in inculcating banking habits with increasing say in financial decisions. The latest RBI data shows that they have managed to improve their share in deposits as well as loans. Bank credit to women accounted for 22.5% of bank loans to individuals in the year 2021 -- 22, up from 19.5 percent a few years ago, according to RBI's recently released basic statistical returns BSR. A lot is being done by public sector banks thanks to the push by the government. The women's share is increasing in all government sponsored schemes. The share of women in incremental bank deposits in FY 22 increased to 35% from 15% in Stand-up India, 71% in MUDRA loans, 37% in PMSBY and 27% in PMJBY, which is encouraging, according to the S K Ghosh Group chief economic advisor, The share of women depositors in incremental bank deposits increased to 35% in FY 22 compared to 15 percent in FY21, a 20 percentage point increase, according to the BSR data. The share of women depositors in rural deposits has gone from 37% in FY 20 to 66% in FY 22. According to 'Ecowrap', a report by economists, rural areas are followed by semi-Urban ones. With some states making it mandatory that transfer of monetary resources be only given to a woman depositor, it is likely that the share of women depositors will continue to be buoyant in bank deposits. The financialization of women is gaining traction with the advent of PMJDY, according to the SBI report. In the last 8 years the Government has implemented policies that focus on the lifecycle approach for women, which has resulted in increased women depositors and women borrowers in the country. Schemes like MUDRA loan, Sukanya Samriddhi Women Scholarships, Ujjawala etc. PMJDY and PMJDY provide various financial instruments in the hands of women. It is interesting to know that women's share is increasing in all government sponsored schemes. The share of women is 81% in Stand-Up India, 71% in MUDRA loans, 37% in PMSBY and 27% in PMJBY, which is encouraging, it said.