<p>Financial inclusion provides people with fair access to financial services in the formal economy in the quest to achieve inclusive and sustainable development. Nevertheless, there is always an imbalance between demand and supply of financial aid. Digital public infrastructure (DPI), especially Aadhaar, unified payment interface, and account aggregators, have changed the face of access to banking, payments and credit in India as a base to becoming financially inclusive in a sustainable way. In this paper, the authors probe the capacities of two pillars of DPI, namely digital identity and digital payments, in promoting this inclusion and in a sustainable and scalable fashion. It also explores the role of demographic and income factors in financial engagement with the fully modified ordinary least squares and autoregressive distributed lag models. Nevertheless, even with such tremendous gains, the long-term survival of these inclusion activities is challenged by the necessity to protect the privacy of data, to provide trustworthy last-mile connectivity, and to avoid account inactivity. The paper ends by making policy recommendations and creative interventions that can be forward-looking, such as selective financial literacy campaigns as well as resolute yet convenient digital financial services to foster sustainable financial inclusion and growth that is inclusive.</p>