A Study on Financial Inclusion with special reference to Jan dhan and Atal Pension Yojana in Ahmedabad (Banking the Un-banked)

This paper appraises options for research relating to financial inclusion in India. This paper first set out a general well-being regime framework that can be used for this analysis and sketch the role of microfinance and various government schemes within it. Than the paper is carry forward with a brief introduction of Microfinance. The concept microfinance can be explained only if the main subject is clear which inclusive growth is. To explain the topic further some facts are been provided. Than the main subject of paper that is microfinance is explained along with the modes. The modes as such MFIs and SHGs are explained and are compared showing which mode is more efficient. The other mode of microfinance is the schemes which are released by the government. The list of schemes has been presented. Among all the schemes our main focus is on Jan Dhan Yojana as it has made a very great success and achievements also the scheme is mainly designed for the under privileged. The rest of the schemes are not taken in research paper as they are launched few months earlier and they are launched for all groups of society. The primary data which was collected by doing survey was compared with the secondary data and the various inferences were drawn. The other scheme taken in survey was Atal Pension Yojana. The primary data was collected and it was compared with the secondary data. The recommendations were given to make the research more meaningful and valid. The statistics was presented in the tabular and graphical form. The study conclude that the government should take some initiatives to make the schemes more popular and making its implementation more effective.