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Pradhan Mantri Jan Dhan Yojana (PMJDY)

Overview

The Pradhan Mantri Jan Dhan Yojana (PMJDY), launched in 2014, is a landmark financial inclusion program by the Government of India, designed to provide universal access to banking and financial services. It aims to ensure that every household, especially in underserved and rural areas, has at least one basic savings account. The scheme goes beyond traditional banking by offering an array of benefits, including overdraft facilities, access to affordable credit, life and accident insurance, and pension schemes. By linking accounts with Aadhaar, PMJDY enables seamless direct benefit transfers (DBT), reducing leakages and ensuring that subsidies and welfare benefits reach intended beneficiaries efficiently. The program also promotes financial literacy, empowering individuals to make informed decisions about their finances. With over 50 crore accounts opened, PMJDY has significantly reduced financial exclusion, transforming the lives of millions and fostering economic participation among marginalized and low-income populations.

Fun Fact!

There is no commonly delineated Line of Actual Control (LAC) in the border areas between India and China

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Synopsis

There is no commonly delineated Line of Actual Control (LAC) in the border areas between India and China. From time to time, on account of differences in the perception of the LAC, situations have arisen on the ground that could have been avoided if we had a common perception of the LAC.
The government regularly takes up any transgression along the LAC with the Chinese side through established mechanisms including border personnel meetings, flag meetings, meetings of Working Mechanism for Consultation & Coordination on India-China Border Affairs, as well as through diplomatic channels. China is under the occupation of approximately 38,000 sq. Kms of Indian territory in the Union Territories of Jammu & Kashmir and Ladakh. In addition, under the so-called China-Pakistan "Boundary Agreement" signed between China and Pakistan on 2 March 1963, Pakistan illegally ceded 5,180 sq. kms. of Indian territory in Pakistan Occupied Jammu & Kashmir to China.
The fact that Jammu & Kashmir and Ladakh are an integral and inalienable part of India, has been clearly conveyed to the Chinese side on several occasions, including at the highest level. The Government of India had written a letter to the Security Council in January 1948 on the situation between India and Pakistan. A copy of the letter is enclosed for your information. The Government consistently maintains that peace and tranquility in the India-China border areas is an important pre-requisite for the smooth development of bilateral relations.

References

Wikipedia
Ministry of External Affairs