Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing unbanked to the institutional finance fold. Do you agree with this for financial inclusion of the poorer section of the Indian society? Give arguments to justify your opinion.

Model Answer Approach

1. Decode demand: Identify the directive verb (discuss / examine / critically analyse) and bound the scope to Financial Inclusion.
2. Intro (40–50 words): Define the core concept; anchor with a definition, data point, or constitutional/historical reference.
3. Body: 2–3 thematic sub-heads with crisp points, examples and counter-arguments. Add a relevant case study or committee/report.
4. Conclusion (30–40 words): Forward-looking — recommendations, way forward, or a constitutional/ethical anchor.

Structure Checklist

• ✓ Definition / context in intro
• ✓ Minimum 1 data point or report
• ✓ Multi-dimensional arguments
• ✓ Counter-view / limitations
• ✓ Diagram, flowchart or map (if applicable)
• ✓ Way forward in conclusion

Keywords to Use

Related UPSC Mains Questions

From the same microtheme — Financial Inclusion.

• Is inclusive growth possible under market economy ? State the significance of finan- cial inclusion in achieving economic growth in India.
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