International Journal For Multidisciplinary Research

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Volume 7 Issue 6
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Bridging the Inclusion Divide: A Decadal Assessment of Pradhan Mantri Jan Dhan Yojana

Author(s) Ms. Vandana Kumari
Country India
Abstract Abstract:
This study examines the trajectory of financial inclusion in India through an assessment of the Pradhan Mantri Jan Dhan Yojana (PMJDY) across states, emphasizing the comparative progress of the PMJDY national data from 2015 to 2025. Employing secondary data and statistical techniques such as ANOVA and t-tests, the analysis evaluates PMJDY performance through indicators of account penetration, deposit growth, gender and regional outreach, debit card issuance, and performance by different bank groups. The results reveal that EAG states, traditionally characterized by financial exclusion, have achieved significant expansion in formal account ownership, particularly among rural and female populations. Public sector and regional rural banks have emerged as key contributors to account and deposit growth, demonstrating their pivotal role in advancing rural financial access. While gender disparities in basic account ownership have largely diminished, notable gaps persist in deposit mobilization, usage intensity, and digital adoption. These variations highlight uneven deepening of financial inclusion compared with more developed regions. The findings underscore that despite PMJDY’s success in promoting inclusive account access, sustained efforts toward digital financial literacy, technological integration, and region-specific interventions remain crucial to achieving equitable and holistic financial inclusion across India, particularly in economically lagging EAG states.
Keywords Keywords: Financial Inclusion, PMJDY, Gender Gap, RuPay Penetration, EAG states
Field Sociology > Banking / Finance
Published In Volume 7, Issue 6, November-December 2025
Published On 2025-11-27
DOI https://doi.org/10.36948/ijfmr.2025.v07i06.61777
Short DOI https://doi.org/hbdr7h
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