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    <title>Year End Review: Highlights of the Major Acheivements of the Department of Financial Services (DFS), Ministry of Finance</title>
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    <description>Department of Financial Services programmes deliver operational frameworks for financial inclusion and social security: PMJDY provides Basic Saving Bank Accounts with overdraft and RuPay debit cards, deploys Bank Mitrs with e-KYC and interoperable payments to cover Sub-Service Areas, and reports large-scale account openings, Aadhaar seeding, lower zero-balance rates, and use for wage and subsidy transfers. PMMY offers tiered microcredit (Shishu, Kishore, Tarun) via banks, MFIs and NBFCs with a MUDRA Card, reporting disbursement volumes and targeted borrower composition. APY, PMSBY and PMJJBY provide pension, accident insurance and life insurance through CBS-enabled banks with enrolment and claim statistics.</description>
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