<h1>DFS 2024 Reforms: Boosting Digital Payments, Reducing NPAs, Expanding Financial Inclusion, and Globalizing UPI Technology.</h1> In 2024, the Department of Financial Services (DFS) continued its reform initiatives, notably through the EASE Reform agenda, enhancing digital transformation, customer service, and financial inclusion across Public Sector Banks (PSBs). Significant progress was made in reducing Non-Performing Assets (NPAs) and boosting digital payments, with BHIM-UPI transactions reaching unprecedented levels. Financial inclusion schemes like PMJDY and MUDRA expanded their reach, benefiting millions. The agriculture sector saw record credit disbursements, while international partnerships extended India's UPI technology globally. Structural changes in banks, including new Chief General Manager posts, aimed to improve administrative efficiency.