Programmes like the government's financial inclusion initiative need to be complemented with those of financial protection as well as financial literacy so as to be fully effective, Reserve Bank of India Governor Raghuram Rajan said on Friday."Financial inclusion means reaching out to the unsophisticated, who are easier to be preyed upon. So such programmes have to work on both their financial protection and financial literacy," Rajan said in response to a query after delivering the India Habitat Centre lecture."Along with financial inclusion there is need also to strengthen consumer protection and the grievance redressal mechanism across the country," he added.Rajan had earlier attended the finance ministry's day-long Delhi Economic Conclave here which had the theme of "Realising India's JAM (Jan-Dhan Aadhar Mobile) Vision."