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The Indian government periodically works to ensure that rural investors and customers are included in organized financial institutions. The practice of giving financially excluded individuals access to and use of financial services like savings, insurance, credit, and payment facilities is known as financial inclusion. A nation's economic development is aided by financial inclusion. A developed commercial bank is an integral part of a nation's financial system. The financial system's structure in the nation has a significant impact on how smoothly and effectively the economy runs. A financial system is made up of several divisions and is connected to markets, institutions, and customs. The government of India's Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a financial inclusion initiative that is available to all Indian citizens and aims to increase access to cheap financial services such as bank accounts, credit, insurance, remittances, and pensions.

Financial inclusion , Pradhan Mantri Jan-Dhan Yojana (PMJDY), Economic development , Commercial bank, Financial system Bank Mitras,Human-centric finance initiatives,Direct benefit transfers (DBTs),Microinsurance,Universal access to banking facilities, RuPay debit card,Overdraft facility,Financial literacy programme,Microfinance, Awareness,Key barriers to financial inclusion, Achievements of PMJDY,Benefits of PMJDY,Performance, Conclusion