Srinagar, Aug. 29 -- Financial inclusion is not merely about opening bank accounts; it is about giving every citizen the confidence and capacity to participate in the formal economy. In this respect, the Pradhan Mantri Jan Dhan Yojana (PMJDY) has emerged as one of India's most consequential social and economic initiatives. Launched in 2014, the scheme sought to bring the unbanked into the banking system through zero-balance accounts, access to banking services, RuPay debit cards and avenues for credit and insurance. Its significance lies not simply in the numbers of accounts opened, but in the transformation of how welfare, savings and payments reach ordinary citizens. For millions of low-income households, a bank account has become a gat...