• RAMACHANDRA D

Abstract: Pradhan Mantri Jana Dhan Yojana is an unprecedented program of the Indian government for inclusive growth and sustainability. It has been designed carefully and launched to make the accessibility of banking and financial needs of marginalized groups in society. And expecting a positive shift in the financial behavior of people below the poverty line. But what seems to be lacking is the active and effective participation of end-users. The purpose of this research is to enable them to come out from financial inertia and participate actively to achieve the national mission of inclusive growth through financial services. It can be made possible through a digital link between the below poverty line ration card and Pradhan Mantri Jana Dhana Yojana. Pure banking conscience, opening a bank account in Jan Dhana, and only the allocation of financial resources by the government, can hardly achieve the goal of poverty eradication. Without the will to rise it is difficult to lift. So, this system will ensure ongoing and effective participation and operation of the accounts. The digital link is to allow the woman in the family (the ration cardholder) to trust, evolve, and avail of all the financial services that the PMJDY program provides. The digital linkage of Jan Dhan accounts and BPL ration cards might trigger a nominal amount of savings in the female community when cardholders go to public distribution points to obtain free or subsidized ration rights every month. It happens because of the high degree of connectivity and is more relatable if such deposit schemes are extended and made available at public distribution outlets. This intuition for saving may occur due to family attachment, self-esteem, entrepreneurial instinctive, emotional drive, personal financial goals, or mandatory requirement of the government.

Keywords: Inclusive Growth, Ration Rights, Cardholders, Financial Inertia, Digital link,

"DIGITAL LINKAGE OF PRADHAN MANTRI JAN DHAN ACCOUNTS TO BELOW POVERTY LINE CARDS FOR ENHANCED INCLUSIVE GROWTH ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.8, Issue 10, page no.b893-b898, October-2021, Available :http://www.jetir.org/papers/JETIR2110201.pdf

"DIGITAL LINKAGE OF PRADHAN MANTRI JAN DHAN ACCOUNTS TO BELOW POVERTY LINE CARDS FOR ENHANCED INCLUSIVE GROWTH ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.8, Issue 10, page no. ppb893-b898, October-2021, Available at : http://www.jetir.org/papers/JETIR2110201.pdf