The ‘Pradhan Mantri Jan-Dhan Yojana’ (PMJDY), launched in 2014, aims to promote financial inclusion by ensuring that every household in India has access to basic banking services, including savings accounts, credit, insurance, and pension. This initiative addresses the barriers to banking faced by underserved populations, thereby integrating them into the formal financial system, enhancing economic participation, and fostering socio-economic development. The underlying concept is that financial inclusion facilitates the accessibility and affordability of financial services, which is essential for poverty alleviation and inclusive growth, principles emphasized in various economic and social policy frameworks in UPSC-relevant literature.