Kshipra Jain is with the Department of Economics, University of Rajasthan, Jaipur, and is the author of 'Financial Literacy and Ageing in Developing Economies: An Indian Experience' (Routledge, 2023).
Despite substantially expanding the number of banks accounts , the Pradhan Mantri Jan Dhan Yojana delivers little real inclusion. Accounts serve mainly insurance sales, not credit or security. Weak…
