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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Impact Factor : 8.14
Issue per Year : 12
Volume Published : 11
Issue Published : 117
Article Submitted : 21318
Article Published : 8476
Total Authors : 22301
Total Reviewer : 802
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| Paper Title: | Financial Inclusion through Pradhan Mantri Jan Dhan Yojana |
| Authors Name: | Dr. Salma Bano |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_208802
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| Published Paper Id: | IJRTI2512131 |
| Published In: | Volume 10 Issue 12, December-2025 |
| DOI: | |
| Abstract: | The Pradhan Mantri Jan Dhan Yojana (PMJDY) represents India’s flagship financial inclusion initiative launched in 2014 with the primary aim of integrating the excluded populations into the formal financial system by providing access to basic banking services. This scheme ensures access to financial services, a basic savings and deposit accounts, remittance, credit, insurance, pension in an affordable manner. Over its decade of implementation, the scheme has catalyzed remarkable growth in bank account ownership, expanded access to financial products and supported digital financial participation across socio-economic groups. This study explores financial inclusion outcomes among urban population of Bangalore, following the primary data from questionnaires administered to PMJDY account holders. The research explores usage behavior, financial awareness, challenges in utilization and the broader implications of PMJDY in fostering inclusive financial participation. PMJDY has been successful in increasing banking penetration and promoting financial inclusion across the country. |
| Keywords: | Financial inclusion, financial services, financial participation. |
| Cite Article: | "Financial Inclusion through Pradhan Mantri Jan Dhan Yojana", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 12, page no.b238-b242, December-2025, Available :http://www.ijrti.org/papers/IJRTI2512131.pdf |
| Downloads: | 000128 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2512131
Registration ID:208802
Published In: Volume 10 Issue 12, December-2025
DOI (Digital Object Identifier):
Page No: b238-b242 Country: Bangalore South District, Karnataka , India Research Area: Social Science and Humanities Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2512131 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2512131 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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