Problem: An inclusive financial system is crucial for a country’s economic development. To achieve this, every state must optimize the utilization of available resources for long-term sustainability. This study focuses on evaluating the input-output efficiency of financial inclusion in Bihar for a period of five financial years, starting from 2016-2017 to 2020-2021.This study aims to address the issue of resource utilization in financial inclusion and identify districts that employ more effective policies than others. Approach: This study proposes a framework to assess the efficiency of financial inclusion in Bihar using data envelopment analysis (DEA) and slack-based DEA measures. DEA is a non-parametric method that measures the efficiency and productivity of decision-making units (DMUs). The analysis considers 38 districts of Bihar as DMUs and evaluates their input-output efficiency in financial inclusion. By adopting data envelopment analysis and slack-based measures, this study goes beyond theoretical and conceptual approaches, allowing for a practical and empirical evaluation of financial inclusion growth. Findings: The empirical results reveal significant variations in the utilization of financial inclusion resources among the 38 districts of Bihar. Some districts demonstrate efficient resource utilization, whereas others follow ineffective policies. The study found that, while some districts demonstrated consistent efficiency, others showed room for improvement. Notably, districts such as Arwal, East Champaran, Gaya, Jamui, Kaimur, Rohtas, and Saran maintained perfect efficiency scores, providing an example for others to follow. However, the overall average efficiency of financial inclusion in Bihar was 23.68%, indicating considerable scope for enhancement. Data envelopment analysis helps identify districts that achieve higher efficiency in financial inclusion, providing valuable insights for policymakers to improve resource allocation and decision-making. Conclusion: This study’s unique inquiry into evaluating the efficiency of financial inclusion in Bihar contributes to the existing literature, which has primarily been theoretical and conceptual. By employing data envelopment analysis and slack-based measures, this study offers a practical assessment of financial inclusion growth. These findings emphasize the importance of optimizing resource utilization for sustainable economic development. Policymakers can utilize this study's insights to address inefficiencies in certain districts and develop targeted strategies to enhance financial inclusion across Bihar. Ultimately, achieving an inclusive financial system in Bihar is crucial for the overall economic development of the state and the country as a whole.