Pradhan Mantri Jan Dhan Yojna: A Roadmap to Achieve Financial Inclusion and Sustainable Development among Scheduled Tribes—Evidence from Kerala

The financial system has changed due to recent advancements in banking and insurance, but it is only available to some groups of society while excluding others, which is known as ‘financial exclusion’. Every nation strives relentlessly for comprehensive financial inclusion in order to achieve both inclusive growth and overall development. This study aims to analyse the role of the Pradhan Mantri Jan Dhan Yojna (PMJDY) on financial inclusion among tribes of Kerala. A structured schedule was used to collect primary data from 395 tribal respondents of the Attappady tribal area. The data were analysed through the statistical program for the social sciences by using the chi-square test, and the study found evidence that there is a strong association between the perception of tribes about the impact of the PMJDY scheme on financial inclusion. The results support further promoting Scheduled Tribes’ access to and use of the specific scheme in order to ensure the inclusive development of the society