This paper examines the challenges of financial inclusion in India and focuses son JandhanYojana which was launched by the Government of India in 2014.This scheme was launched by the Prime Minister Narendra Modi aims to provide all the citizens of India a bank account credit facility and insurance cover and debit card. The aim of the scheme is slogan Mera Khata -Bhagya Vidhaata . This scheme was launched to include poor sections and marginalized sections of the society who do not have any financial support. ALL the poorer sections of h society were to avail this opportunity which was considered as a big leap in making financial inclusion to millions of people across India. This scheme was launched to free the poor people from the clutches of money lenders, commission agents and local sahukars . This scheme was aimed at eliminating corruption and bribery from the bureaucracy and aimed to make people free from official delay and setbacks. Grave criticisms against this scheme heard included the huge amount of black money was converted into white , Indian economy witnessing huge financial transactions , fake accounts de-linking to Aadhar etc. There was evaluating agencies to look into the impact of this scheme. Bit challenges helped the scheme to focus on the demerits and moveon.
Inclusive banking , Jandhan Yojana, new policies, emerging challenges ,focus areas
PADMAVATHI P. R. "Financial Inclusion Or Financial Security - Evaluating The Implementation Of Pradhan Manthri Jan Dhan Yojana" Iconic Research And Engineering Journals Volume 2 Issue 7 2019 Page 78-80
PADMAVATHI P. R. "Financial Inclusion Or Financial Security - Evaluating The Implementation Of Pradhan Manthri Jan Dhan Yojana" Iconic Research And Engineering Journals, 2(7)