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Pmjdy and Financial Inclusion in Gujarat: a Conceptual Review of Achievements and Usage GapsBy Dhara Gohel
Abstract: The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a flagship financial inclusion program of the Government of India designed to provide universal access to formal banking services. Since its introduction in 2014, the scheme has recorded remarkable progress in terms of outreach and account penetration, with more than 57 crore bank accounts opened nationwide. Despite this achievement, concerns persist regarding the effective utilization of these accounts. Evidence from official statistics, …
Published in NOLEGEIN Journal of Financial Planning And Management · Vol. 9, Issue 1, 2026 Read article →