📄 Abstract
India has made Financial Inclusion as a key strategy for the country's development agenda. The PM Jan Dhan Yojana (PMJDY) represents an almost revolutionary step in bringing Formal Financial Institutions to communities that were previously unbanked. The present study examines the general perception of PMJDY and Financial Inclusion and investigates how the perceptions of different demographic groups have shifted. The study also evaluates the Economic and Socio-Economic Impacts of the enhanced access to Digital Financial Services, Insurance, Credit and Savings offered by PMJDY. In addition, the study compiles and synthesizes the body of literature and Contextual Evidence available on the various Behavioural, Technological and Structural Factors affecting Financial Inclusion Outcomes, including an analysis of the PMJDY's impact on Financial Inclusion among different demographic groups. Findings indicate that PMJDY significantly improved Financial Inclusion but still suffers from Financial Literacy Gaps, Dormant Accounts and Technology Limitations. Therefore, Recommendations to sustain Financial Inclusion long-term include the continued use of Technology, Improvement to Service Delivery, and Increased Digital Literacy.
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📚 How to Cite:
Mr. Indukuri Sathyanarayana Varma, Ms. K. Hari Chandana , PERSPECTIVE OF PEOPLE TOWARDS FINANCIAL INCLUSION AND PRADHAN MANTRI JANA DHAN YOJANA , Volume 13 , Issue 9, December 2025, International Journal of Indian Economic Light(JIEL) , Pages: 27 - 35 , DOI: https://doi.org/10.36713/epra25516