Published Paper Details:

INDIA is a developing nation with global gender gap ranking 135 out 146 countries (gender gap report ;world economic forum 2022).During the spur period of Covid 19 and beyond that; Pradhan Mantri Jan Dhan Yojana (PMJDY) has acted as the Financial Inclusion tool for empowering of underserved women amid the socio economic challenges and persisting Gender Inequality in India. Financial inclusion is critical to achieving the economic empowerment of women--one of the targets under the fifth Sustainable Development Goal on gender equality. India, in 2014, launched the Pradhan Mantri Jan Dhan Yojana (PMJDY) to promote financial inclusion in every household in the country. The aim of the initiative is to provide the 'financially excluded' access to financial services such as basic savings bank accounts, need-based credit, remittances facility, insurance, and pension. Since then, according to data from the Ministry of Finance, over 460 million bank accounts have been opened; 67 percent of them are in the rural and semi-urban districts, and 56 percent are owned by women. The significance of this article is to analyze the extent to which the PMJDY acted as a successful tool to bring the women from underserved sector to the center of economy to generate the income ,saving , investment and raising standard of living by empowering women with socio economic gender inequality . The article will also highlight new findings on financial resilience and explore what the data reveal about the most effective strategies reaching those who remain unbanked through the secondary data sources.