Published Paper Details:

In this Article, we are focusing on PMJDY account holder and Awareness Level in people of Krishna District. The PMJDY is an excellent financial inclusion tool to raise the living standard of the people . During the study, we could find that very less percentage of people are aware of PMJDY. We could also find that most of the population of that district is illiterate and earns living by daily wages, so they weren't the people who reach the bank for services. Therefore, the Government of India should take initiatives in reaching the common people and making them awake about the scheme by conducting and organizing more awareness programs and running the financial literacy campaigns often. To reach this goal, Government should make the banks as their active agent in dispersing the benefits of this scheme and successfully meeting the objective of PMJDY and making the better impact on the lives of the people of underprivileged for socio economic development as well.