Barmer, April 4 -- Nagaur MP Hanumal Beniwal has raised alleged irregularities in the implementation of central schemes such as Pradhan Mantri Jan Dhan Yojana (PMJDY), aimed at fostering financial inclusion at grassoots levels. Beniwal alleged that private banks often hesitated to open accounts and processing applications, thus excluding vulnerable populations in rural areas. In his reply on Tuesday, minister of state for finance Pankaj Chaudhary said PMJDY, launched in 2014 under the National Mission for Financial Inclusion, aims to bring every unbanked adult into the formal banking system. He maintained that all banks, including private lenders, are part of the mission and are being regularly monitored. However, according to data released by the government, urban and semi-urban districts continue to dominate enrolments in the state. Jaipur leads with 142,000 PMJDY accounts opened by private banks since the scheme's inception, followed by Udaipur with 139,000 accounts and Ajmer with 89,894- accounts. The last-mile gap becomes evident in the rural districts. Dholpur recorded just 4,878 accounts opened, with 7,637 opened in Jaisalmer, 11,142 in Sirohi and 12,845 in Pratapgarh. The shortfall is more pronounced in newly carved districts. Didwana-Kuchaman has only 4,631 accounts, while Balotra and Phalodi lag far behind with just 1,630 and 1,319 accounts respectively. In addition, enrolment under social security schemes such as the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) remains negligible or unreported in several districts, indicating deeper structural issues in financial inclusion. In some of these districts, data for insurance schemes such as Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) is either minimal or unavailable, pointing to gaps in scheme penetration. However the Centre said that steps such as assigning targets to banks, conducting awareness campaigns and reviewing performance periodically are being taken to improve outreach. It also pointed to grievance redressal mechanisms including the RBI's Integrated Ombudsman Scheme and the CPGRAM portal. Despite these measures, the uneven distribution of beneficiaries highlights that financial inclusion remains incomplete, particularly in remote and newly formed districts. Experts said that the uneven spread may be attributed to a combination of factors, including limited banking infrastructure, low awareness and procedural hurdles at the branch level. While the government has cited measures such as target allocation, awareness campaigns and grievance redressal systems, the data suggests that achieving universal financial access remains a work in progress, especially at the last mile....