International Journal For Multidisciplinary Research

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Digital Financial Inclusion and Women Entrepreneurs in India: Challenges, and Capabilities in the MSME Ecosystem

Author(s) Dr. N. Vijaya Raghavi
Country India
Abstract Digital financial inclusion (DFI) is recognized as a pivotal enabler for women's entrepreneurship in India, particularly within the micro, small, and medium enterprise (MSME) sector. The Indian government's Pradhan Mantri Jan Dhan Yojana (PMJDY), launched in 2014, has been a flagship programme to expand financial access, especially for women, by facilitating the opening of zero-balance bank accounts, enhancing access to credit, and promoting the use of digital financial tools. As of August 2023, over 53.13 crore (531.3 million) PMJDY accounts have been opened, with approximately 29.56 crore (295.6 million) held by women, reflecting the scheme's significant reach among female beneficiaries
The theoretical framework integrates empirical evidence and established models to guide research on digital financial inclusion for women entrepreneurs in India. It recognizes the multi-layered influence of digital access, literacy, social norms, empowerment, and regional infrastructure evident in recent national-level statistics and policy developments.
This study aims to comprehensively address the dynamics, opportunities, and challenges of digital financial inclusion for women entrepreneurs in India through a robust set of research questions namely the access and usage patterns, impact assessment, policy and infrastructure efficacy and technological and socio-cultural influences. The study encompasses the influence of digital financial inclusion, facilitated by the PMJDY scheme, on women's entrepreneurship in India, focusing on both the opportunities created and the persistent barriers, with particular attention to micro and small enterprises in underserved communities.
Keywords Financial Inclusion, Women Empowerment, PMJDY, Digital Financial Inclusion, Women Entrepreneurship.
Field Sociology > Economics
Published In Volume 8, Issue 4, July-August 2026
Published On 2026-07-04
DOI https://doi.org/10.36948/ijfmr.2026.v08i04.82991
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