By Rajiv Shah Despite wide talk of Gujarat being No 1 in things financial, top rating agency Crisil has found that the state is failing to improve upon its financial inclusion index compared to most of India. The top consulting firm's new report has revealed that the financial inclusion index, called Inclusix – a concept it worked out in alliance with the Ministry of Finance, Government of India, to find out how deep is financial penetration among larger sections of population – has revealed, Gujarat has failed to improve its performance over the last four years in providing the three critical parameters of banking services, viz. branch penetration, deposit penetration, and credit penetration.