Financial inclusion is integral to India’s vision of inclusive and sustainable development under Viksit Bharat 2047. The expansion of digital financial services has created significant opportunities to extend formal banking facilities to underserved populations. India Post Payments Bank (IPPB), by integrating digital banking infrastructure with the extensive postal network, provides a distinctive mechanism for achieving last-mile financial inclusion. This study examines users’ perceptions of IPPB services with particular emphasis on accessibility, affordability, and reliability, and assesses their influence on service utilization and financial inclusion. The study adopts a descriptive and empirical research design, using primary data collected from IPPB customers through a structured questionnaire based on a five-point Likert scale. The present study employes non-probability and convinient sampling technique and the sample size is concised to 180 respondents who are having accounts in IPPB. The Accessibility is evaluated through service reach and convenience, affordability through perceived transaction costs and economic suitability, and reliability through trust, security, and transaction dependability. This study uses the Descriptive statistics, reliability analysis, correlation, and regression techniques for data analysis. The study is expected to provide empirical insights into the service-level determinants of IPPB utilization and offer policy implications for strengthening citizen-centric digital financial inclusion in support of Viksit Bharat 2047.