Ernakulam, IPA: [erɐɳɐːguɭɐm]; ISO: Eṟaṇākuḷaṁ, in Malayalam: എറണാകുളം), is one of the 14 districts in the Indian state of Kerala, that takes its name from the eponymous city division in Kochi. It is situated in the central part of the state, spans an area of about 3,000 square kilometres (1,200 sq mi), and is home to over 9% of Kerala's population. Its headquarters are located at Kakkanad. The district includes Kochi, also known as the commercial capital of Kerala, which is famous for its ancient Churches, Hindu temples, synagogues and mosques. The district includes the largest metropolitan region of the state: Greater Cochin. Ernakulam is the district that yields the most revenue and the largest number of industries in the state.[4] Ernakulam is the third most populous district in Kerala, after Malappuram and Thiruvananthapuram (out of 14 districts).[5] The district also hosts the highest number of international and domestic tourists in Kerala state. The most commonly spoken language in Ernakulam is Malayalam. English is widely used, mostly in business circles. Ernakulam became India's first district to have 100 percent banking or full "meaningful financial inclusion" in 2012.[6][7] Ernakulam has a high Human Development Index of 0.801 (UNHDP report 2005), which is one of the highest in India.[8]