Author(s) :   V. Poornima

Abstract : This article presents a comprehensive analysis of Indian government schemes for financial inclusion from 2015 to 2025, a decade marked by transformative policy interventions aimed at bridging the financial access gap. The study investigates nine major schemes launched during this period, including Pradhan Mantri Jan Dhan Yojana (PMJDY), Pradhan Mantri Mudra Yojana (PMMY), Digital India, PM Jeevan Jyoti Bima Yojana (PMJJBY), PM Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), Stand-Up India, PM Street Vendor’s Atma Nirbhar Nidhi (PM SVANidhi), and the Emergency Credit Line Guarantee Scheme (ECLGS). Each scheme is evaluated for its objectives, outreach, performance metrics, and impact on different population segments. The article integrates data to provide a understanding of financial inclusion in India. Findings highlight significant progress, particularly in digital financial services and basic bank account penetration, while also pointing out persistent challenges such as digital literacy gaps, dormant accounts, and regional disparities. The study concludes with strategic recommendations for enhancing the efficacy of financial inclusion efforts in the years ahead.

Keywords: Financial Inclusion, Government Schemes, Digital Banking, Financial Literacy, India, PMJDY, PMMY, Digital India, Social Security, ECLGS.

DOI : 10.61161/ijarcsms.v13i4.1

Pages : 1-6

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