Financial inclusion has been successful in other countries. India has also been trying this forever to achieve this goal. Access to affordable financial services would lead to increased economic equity and employment opportunities for rural families with a possible multiplier effect on the financial system. Financial inclusion could enable higher disposable income in the hands of rural households, leading to greater savings and a larger deposit base for banks and other financial institutions. So I thought it would be better to study financial inclusion (PRADHAN MANTRI JAN-DHAN YOJANA) how it would help people and the economy as a whole.1.1.4 OBJECTIVES OF THE STUDY To study and briefly examine financial poverty in India. To study and analyze the recent situation of financial inclusion in the state of Jammu and Kashmir. Evaluate the latest financial inclusion scheme (Pradhan Mantri Jan Dhan Yojana) To see how it is beneficial for the society. See how many accounts have been covered by pmjdy.1.1.5 SCOPE OF THE STUDY To study and analyze the financial inclusion practices carried out by Jammu and Kashmir