• VaidyamSreedhar
• Prof.D.Anjaneyulu

Pradhan Mantri Jan Dhan Yojana (PMJDY) launched in 2014 aims to connect every household (later refocused to every unbanked adult) of the country with banking system. The scheme’s main objective is to help citizens receive banking services such as credit, pension, and insurance at a reasonable cost The scheme also aims to simplify the government-to-consumer (G2C) fund transfer by removing redundancies such as multiple transaction requirements, ID Validation and time dalays. The PMJDY acts as platform to support government social schemes such as Pradhan Mantri Mudra Yojana (PMMY), Atal Pension Yojana (APY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY). Initially , the scheme was targeted for four years until 2018, covering every household; however, after understanding the impact and prospect, the government has extended the scheme to cover every adult. Success of the scheme is evident from the data of households linked by bank accounts, As of March 2024, about 99.97% households in India are connected to the banking system, which helped them receive benefits off various Government schemes directly into their accounts. Also, linking the scheme with other government services and facilities have helped in the transactions and low dormancy of PMJDY accounts

Financial Inclusion, PMJDY, Digital Payments, Abbreviations: RBI: Reserve Bank of India ,UPI: Unified Payments Interface ,DBT: Direct Benefit Transfers, SHGs: Self-Help Groups ,RRBs: Regional Rural Banks ,RuPay Card, Micro Insurance, Government subsidies, Inclusion Growth, JDD App,NPCI: National Payments Corporation of India.

"DIGITAL FINANCE AND EVALUATION OF FINANCIAL INCLUSION ASPECTS OF PRADHAN MANTRI JAN DHAN YOJANA (PMJDY) SCHEME :A STUDY WITH SPECIAL REFERRENCE TO KURNOOL DISTRICT ANDHRA PRADESH", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 7, page no.1-7, July-2025, Available :http://www.jetir.org/papers/JETIRGZ06001.pdf

"DIGITAL FINANCE AND EVALUATION OF FINANCIAL INCLUSION ASPECTS OF PRADHAN MANTRI JAN DHAN YOJANA (PMJDY) SCHEME :A STUDY WITH SPECIAL REFERRENCE TO KURNOOL DISTRICT ANDHRA PRADESH", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 7, page no. pp1-7, July-2025, Available at : http://www.jetir.org/papers/JETIRGZ06001.pdf