Paper Title
Augmenting Financial Inclusion through Pradhan Mantri Jan Dhan Yojana

Financial inclusion widens the resource base of financial system by developing a culture of savings among large segment of rural population and plays its own role in the process of economic development. The National Mission on Financial Inclusion is a recent initiative and has a goal oriented idea of covering all households in the country with banking facilities. PMJDY is a scheme that cumulates all other previous efforts taken in the direction of financial inclusion- like Kisan credit card, micro insurance, Business correspondent model micro pension etc. - with broader scope and targeting both rural as well as urban household. In the present study, secondary data on PMJDY in India, Uttarakhand and district Udham Singh Nagar were studied along with analysis of primary data of the district. The progress of PMJDY in India and Uttarakhand has shown impressive figures, covering 100% targeted households in Uttarakhand which shows that scheme has gained momentum in short span of time. Keywords - Banking, Financial Inclusion, PMJDY