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@article{181785,
        author = {Dr.D.Padma},
        title = {EMPOWERING FINANCIAL LITERACY THROUGH GOVERNMENT SCHEMES: A PATH TO FINANCIAL INCLUSION IN INDIA},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {1},
        pages = {5458-5468},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=181785},
        abstract = {This study examines the background and significance of financial literacy in India and analyzes the various initiatives undertaken by the government to promote financial education.The study adopts a descriptive and qualitative approach, primarily utilizing secondary data. The information required for this study has been sourced from various secondary resources, including magazines, journals, websites, and other publicly available published materials.Data for this study has been gathered from credible sources such as the Reserve Bank of India (RBI), the World Bank, and other publicly available published materials. The accessibility of online resources has dramatically increased, enabling researchers to gather comprehensive data from various credible sources. The study concludes that financial literacy is crucial for informed decision-making, avoiding debt traps, and promoting economic growth and social inclusion. Financial literacy initiatives have significantly increased financial inclusion in various regions, particularly among underserved communities.Financial literacy promotes social inclusion by equipping underserved communities with the knowledge and tools necessary to participate in the formal financial system. Women, in particular, have shown a strong response to financial literacy outreach, which has significantly impacted their families and communities.},
        keywords = {},
        month = {June},
        }