सरकार ने PMJDY, PMMY, APY और अन्य प्रमुख योजनाओं के माध्यम से वित्तीय समावेशन का विस्तार किया

<h2>Overview</h2> <p>The <strong>Ministry of Finance</strong> highlighted the scale of its financial‑inclusion drive in the Lok Sabha on <strong>16 March 2026</strong>. By linking banking, credit and insurance to the <span class="key-term" data-definition="National Mission for Financial Inclusion – A Government programme launched in 2014 to provide universal banking, insurance and credit to the unbanked, especially women and rural households (GS3: Economy)">NMFI</span> framework, the Centre aims to secure the unsecured, fund the unfunded and bring the unbanked into the formal system.</p> <h3>Key Developments (as of Feb‑2026)</h3> <ul> <li><span class="key-term" data-definition="Pradhan Mantri Jan Dhan Yojana – Flagship financial‑inclusion scheme that offers zero‑balance bank accounts, RuPay debit cards and access to credit and insurance (GS3: Economy)">PMJDY</span> ने <strong>57.78 करोड़</strong> खाते खोले हैं जिनमें कुल जमा <strong>₹2.94 लाख करोड़</strong> है। इन खातों में महिलाओं का हिस्सा <strong>55.8%</strong> है और <strong>78.2%</strong> ग्रामीण‑अर्धशहरी क्षेत्रों में हैं।</li> <li><span class="key-term" data-definition="Pradhan Mantri Jeevan Jyoti Bima Yojana – A life‑insurance scheme offering a cover of ₹2 lakh for death, with voluntary enrolment (GS3: Economy)">PMJJBY</span> ने <strong>26.88 करोड़</strong> कुल नामांकन दर्ज किए हैं।</li> <li><span class="key-term" data-definition="Pradhan Mantri Suraksha Bima Yojana – Accidental insurance providing ₹2 lakh for death/total disability and ₹1 lakh for partial disability (GS3: Economy)">PMSBY</span> ने <strong>57.11 करोड़</strong> नामांकन हासिल किए हैं।</li> <li><span class="key-term" data-definition="Atal Pension Yojana – Pension scheme for informal‑sector workers offering a guaranteed monthly pension after age 60 (GS3: Economy)">APY</span> के <strong>8.84 करोड़</strong> सब्सक्राइबर हैं।</li> <li><span class="key-term" data-definition="Pradhan Mantri Mudra Yojana – Provides collateral‑free loans up to ₹20 lakh for micro‑entrepreneurs in manufacturing, trading, services and allied agriculture (GS3: Economy)">PMMY</span> ने <strong>57.26 करोड़</strong> ऋण स्वीकृत किए हैं, जिसकी कुल राशि <strong>₹39.48 लाख करोड़</strong> है।</li> <li><span class="key-term" data-definition="Stand‑Up India Scheme – Targets SC/ST and women entrepreneurs with loans for greenfield projects up to ₹1 crore (GS3: Economy)">Stand‑Up India (SUPI)</span> ने <strong>2.75 लाख</strong> ऋण वितरित किए हैं, कुल राशि <strong>₹62,790 करोड़</strong> (31 Mar 2025 तक)।</li> </ul> <h3>Important Supporting Infrastructure</h3> <p>The government has operationalised the <span class="key-term" data-definition="JAM – Integrated platform that links Jan‑Dhan accounts, Aadhaar numbers and mobile numbers to enable seamless Direct Benefit Transfer (GS3: Economy)">JAM</span> pipeline. This digital backbone is now the conduit for <span class="key-term" data-definition="Direct Benefit Transfer – Government‑to‑beneficiary electronic transfer of subsidies, p">Direct Benefit Transfer</span>.</p>