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    <title>FM: Present Government brought the policy of financial inclusion to the centre stage; About 30 crore accounts opened under PMJDY; No of dormant accounts come to less than 20%;</title>
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    <description>Financial inclusion advanced via widespread PMJDY account openings, reduction of zero-balance accounts, issuance of RuPay cards and small overdraft facilities to operationalise accounts and route subsidies. Complementary insurance enrolments and Aadhaar-enabled targeting are described as improving subsidy delivery and reducing dormant accounts by enabling direct credit of government support. Demonetisation is said to have promoted digital payments, formalisation of the economy and a broader tax base.</description>
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