• Prashasti Keshari

Financial inclusion has been a priority goal of the RBI and the Government of India for decades to reduce poverty and minimize social and financial exclusion, thus promoting inclusive growth. Various initiatives and schemes have been launched collaboratively by RBI and the Government of India in this direction to bring substantial segments of the rural population into the banking system, acknowledging that financial inclusion is critical for India's long-term economic growth and development. Although our country's economy is increasing at a one-digit rate, the growth is not evenly distributed, with the economic situation of individuals in rural areas deteriorating further. Being financially excluded is one of the most common causes of poverty. Even after decades of independence, about ten crore families do not have access to banking services. Pradhan Mantri Jan Dhan Yojna (PMJDY) – a financial inclusion campaign launched by the Government of India – is considered a boon for it has shown tremendous results and accomplished many of the objectives RBI and the Government of India have been striving to achieve. The scheme aims to lower the degree of "financial untouchability" in the country. It is a massive financial inclusion initiative to provide banking services and insurance coverage to all households in the country. The goal is to accelerate growth, successfully combat poverty, and empower the Indian economy's last man in the last row. Against this backdrop, the present paper sought to discuss the overview of the Pradhan Mantri Jan Dhan Yojna and its contribution to achieving financial inclusion.

Financial inclusion; PMJDY; Inclusive growth; Financial literacy

"PRADHAN MANTRI JAN DHAN YOJNA – A ROAD TO FINANCIAL INCLUSION", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 3, page no.b217-b224, March-2022, Available :http://www.jetir.org/papers/JETIR2203129.pdf

"PRADHAN MANTRI JAN DHAN YOJNA – A ROAD TO FINANCIAL INCLUSION", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 3, page no. ppb217-b224, March-2022, Available at : http://www.jetir.org/papers/JETIR2203129.pdf