Correct Answer: Financial inclusion and access to banking services

Solution : The correct answer is (a) Financial inclusion and access to banking services.

The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a government scheme launched by the Indian government in 2014. Its primary objective is to promote financial inclusion by providing access to banking services, particularly to the unbanked and underbanked sections of society.

The PMJDY focuses on opening bank accounts for all individuals, especially those from low-income households, who do not have access to formal banking services. The scheme aims to ensure that every household has access to a basic savings bank account, a debit card, and various banking services such as remittances, insurance, and pension.

The PMJDY also aims to encourage financial literacy and provide affordable financial services to promote savings and enable access to credit for income generation and entrepreneurship.