Role of Pradhan Mantri Jan Dhan Yojana to integrate with SDGs in Pratapgarh District of Uttar Pradesh

Arifa  Begum; Dr. Niharika  Srivastava

doi:10.59828/ijhce.v2i5.84

Authors

Arifa Begum Research Scholar, Department of Economics, Prof. Rajendra Singh (Rajju Bhaiya) University, Prayagraj (U.P.) Author
Dr. Niharika Srivastava Assistant Professor, Department of Economics, Pratap Bahadur Post Graduate College, Pratapgarh affiliated with Prof. Rajendra Singh (Rajju Bhaiya) University, Prayagraj (U.P.) Author

DOI:

https://doi.org/10.59828/ijhce.v2i5.84

Keywords:

PMJDY, Sustainable Development Goals, Financial Inclusion, Gender Equality and DBT Introduction

Abstract

A National Mission for Financial Inclusion called "Pradhan Mantri Jan Dhan Yojana (PMJDY)" was unveiled on August 15, 2014. Because access to money is crucial for the impoverished and vulnerable in order to achieve the SDGs, financial inclusion is used as a vehicle for social transformation, such as lowering poverty and enhancing equality. Actually, providing financing to those in need is a means of empowering them. The Pradhan Mantri Jan Dhan Yojana (PMJDY) has been widely adopted in the Pratapgarh district of Uttar Pradesh as part of the national campaign for financial inclusion and financial security. This article examines the influence of gender equality and economic status on the SDGs for PMJDY beneficiaries. It may be stated that PMJDY gives low-income households in rural Uttar Pradesh vital financial stability by offering basic savings accounts, RuPay debit cards, and accident insurance. With almost 55% of accounts held by women nationwide, the program has a significant impact on women's empowerment. This increases women's financial autonomy and access to DBT (Direct Benefit Transfers) in rural regions like those in Pratapgarh.