Srinagar, June 4 -- Financial inclusion in Jammu and Kashmir is emerging as one of the most significant social transformations of recent years, quietly reshaping the financial behaviour of households across rural and semi-urban belts. The steady rise in Jan Dhan deposits, now exceeding Rs 1,811.92 crore across more than 24 lakh accounts, is not merely a statistical achievement but a profound marker of change. Families that once remained outside the ambit of institutional finance are now depositing, transacting, and saving with growing confidence. This transition from zero-balance accounts to active usage signals a structural shift in how communities perceive security and opportunity, through formal banking.

The expanding network of Busin...