Copyright © 2025 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{153521,
        author = {Ruchi Kushwah and Dr.Simranjeet Kaur Sandhar and Dr.Maneesh Kant Arya},
        title = {Financial Inclusion in Rural communities in India: With special reference to PMJDY},
        journal = {International Journal of Innovative Research in Technology},
        year = {},
        volume = {8},
        number = {7},
        pages = {385-391},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=153521},
        abstract = {Pradhan Mantri Jan Dhan Yojana (PMJDY) is a historical step towards making India more powerful financially. It is specially empowering economically weaker section of society that has been remained financially excluded for so long, “The Rural India”. The main reason of financial exclusion of rural sector was financial illiteracy, lack of knowledge & awareness, insufficient infrastructure & bank branches in rural areas, low income & improper documentation. By PMJDY, financial services through bank accounts were provided to nearly 15.86 Cr people in just one week. This study attempts to address the various government schemes like Pradhan Mantri Jan Dhan Yojana (PMJDY) and Pradhan Mantri Jeevan Jyoti Beema Yojana (PMJJBY) and RBI measures involved in the adoption of Financial Inclusion and to widen its coverage especially in rural India. This study also briefs about increase in beneficiaries of financial services since last 5 years in private sector, public sector & regional/rural sector banks with the help of various schemes run by government and RBI.},
        keywords = {PMJDY, PMJJBY, Rural India, Financial Inclusion},
        month = {},
        }