<h1>Financial inclusion expanded through household-targeted bank accounts, digital payment instruments and direct benefit transfer integration.</h1> Pradhan Mantri Jan Dhan Yojana (PMJDY) expanded household access to formal banking by targeting households across rural and urban areas, using coordinated bank-led account opening camps, Aadhaar enrolment and financial literacy activities, and by establishing fixed-point Business Correspondents to provide universal access. The scheme issued interoperable Rupay cards and promoted Aadhaar-enabled transactions to support digital payments, linked insurance coverage to accounts, and integrated Direct Benefit Transfer mechanisms to channel subsidies and other entitlements directly into beneficiary accounts, reducing intermediary layers.