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Abstract
Financial inclusion means providing financial services to that deprived section of society, which do not have basic banking facilities, such as saving accounts or deposit and payment facility. Now every country is putting more efforts for financial inclusion providing all households in the country with banking services, with particular focus to empower the weaker sections of society, including women, small and marginal farmers, and labourers, both urban and rural areas for giving them dignity, financial freedom and financial stability . In order to provide universal access to banking facility, Honourable Prime Minister of India announced the scheme PradhanMantri Jan DhanYojana on 15 August 2014 and lunched it on August 28, 2014 as a national mission. With the help of PradhanMantri Jan DhanYojana, 37.42 crores accounts were opened till 6 November 2019. This study will be useful to the policy makers to identify the strength and weakness of the schemes which help in effective implementation and potential changes in future.