This study examines the socio-economic impact of Pradhan Mantri Jan Dhan Yojana on beneficiaries in Firozabad through a micro-level analysis. Launched in 2014, PMJDY aims to promote financial inclusion by providing universal access to banking services, including savings accounts, credit facilities, insurance, and direct benefit transfers. The present research evaluates how access to formal banking under the scheme has influenced savings behavior, access to credit, income stability, financial security, and overall socio-economic conditions of beneficiaries in both rural and urban areas of the district. The study is based on primary data collected through structured questionnaires from selected PMJDY account holders, supplemented by secondary data from government and banking reports. The findings indicate that the scheme has significantly improved financial access, increased household savings, reduced dependence on informal moneylenders, and facilitated timely receipt of government subsidies through Direct Benefit Transfer (DBT). Women beneficiaries, in particular, reported enhanced financial autonomy and participation in household decision-making.
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