The assessment of PMJDY should be done within the context of the programme.
The government scheme has a long way to go before its ultimate goals of universal financial inclusion and financial literacy are achieved.
Recently, the government announced yet another ambitious scheme aimed at providing health insurance to 50 crore individuals.
Digital services work best when the seller designs a system where default options are designed to help the buyer, says Debashis Basu.
PM extended some old schemes and finally said yes to one that was legally mandated for past 2 years.
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