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@article{194067,
        author = {Ms. N. Sri Abinaya and Mrs. D. Devika},
        title = {EXPLORING CUSTOMER PERCEPTION TOWORDS JAN DHAN YOJANA IN 2025: INSIGHTS ANS CHALLENGES},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {2581-2583},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=194067},
        abstract = {The Pradhan Mantri Jan Dhan Yojana (PMJDY) is one of the most significant financial inclusion initiatives introduced by the Government of India to provide affordable banking services to the unbanked population. The present study explores customer perception towards PMJDY in 2025, focusing on awareness, satisfaction, accessibility, and challenges experienced by beneficiaries. The study aims to evaluate the effectiveness of the scheme in promoting financial inclusion and improving access to formal banking services among different socio-economic groups. A descriptive research design was adopted, and primary data were collected through structured questionnaires from Jan Dhan account holders across selected regions. The collected data were analyzed using percentage analysis and other appropriate statistical tools to understand customer attitudes and usage patterns. The findings indicate that while a majority of respondents are aware of the basic features of PMJDY, such as zero-balance accounts, RuPay debit cards, and direct benefit transfer facilities, several challenges still persist. These include limited financial literacy, digital banking barriers, and the existence of inactive accounts. Despite these challenges, the scheme has significantly contributed to increasing banking accessibility and encouraging savings among low-income groups. The study concludes by suggesting measures to improve awareness, service quality, and digital support systems to enhance the overall effectiveness of PMJDY in the future.},
        keywords = {Financial Inclusion, Pradhan Mantri Jan Dhan Yojana, Customer Perception, Direct Benefit Transfer, Financial Literacy, Banking Services.},
        month = {March},
        }