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@article{195115,
        author = {Dr.V.Masulamani},
        title = {Financial Inclusion in India: A Special reference to PMJDY Scheme},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {6616-6620},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=195115},
        abstract = {Financial inclusion is the provision of financial services at a reasonable cost to a large number of disadvantaged and low-income individuals. Because banking services are a public benefit, it is critical that the primary goal of public policy is to provide banking and payment services to the entire population without prejudice.
Financial inclusion needed for equal opportunities to all sections of people in country for inclusive growth, economic development, social development and business opportunity. Because of the vast opportunities for growth in the Indian banking system, India's national vision for 2020 includes the goal of opening nearly 600 million new bank accounts and services through a variety of channels such as microfinance, micro insurance, regional rural banks, NABARD, self-help groups, new bank branches in unbanked areas, and so on.
On August 15, 2014, Prime Minister Narendra Modi inaugurated the Pradhan Mantri Jan Dhan Yojana (PMJDY), one of the world's largest financial inclusion projects, from the ramparts of the Red Fort. When the programme was launched on August 28th, the Prime Minister hailed it as a festival celebrating the poor's escape from a vicious cycle. This puts the onus on the state to engage citizens in economic activity. This article highlights to financial inclusion through PMJDY in India},
        keywords = {PMJDY, Financial Inclusion, Bank, Financial services},
        month = {March},
        }