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'Pradhan Mantri Jan-Dhan Yojna' has been launched for
(a) providing housing loan to poor people at cheaper interest rates
(b) promoting women's Self-Help Groups in backward areas
(c) promoting financial inclusion in the country
(d) providing financial help to the marginalized communities



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The Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a financial inclusion program launched by the Government of India in 2014. The primary goal of this scheme is to provide access to basic banking services to the unbanked and underprivileged sections of society, including the poor and marginalized communities.

Under this scheme, individuals are encouraged to open bank accounts with zero balance requirements. The program aims to bring the financially excluded population into the formal banking system and provide them with various financial services such as savings accounts, remittances, insurance, and pension schemes. It also promotes the use of RuPay debit cards and encourages beneficiaries to avail themselves of various government welfare schemes and subsidies directly into their bank accounts.


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