Financial inclusion has been successful in other countries. India has also been striving to do this forever to achieve this goal. Access to affordable financial services would lead to increased economic actions and employment opportunities for rural households, with a possible multiplier effect on the financial system. Financial inclusion could enable rural households to have higher disposable income, leading to greater savings and a broader 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 the people and the economy as a whole.1.1.4 OBJECTIVES OF THE STUDY To study and review briefly 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 useful for the society. To see how many accounts have been covered by pmjdy.1.1.5 SCOPE OF THE STUDY To study and analyze the financial inclusion practices that are being implemented in Jammu and Kashmir