Launched in August 2014, PMJDY enabled large-scale financial inclusion with over 55.9 crore bank accounts opened so far.

• Scheme offers basic savings accounts, RuPay cards, and an overdraft facility to promote banking access for the unbanked.
• Credit inclusion efforts complement deposit access, with a focus on empowering underserved and unfunded sections.
• RBI enforces PSL norms to channel credit to agriculture, MSMEs, weaker sections, and other priority areas.