evidence: The Pradhan Mantri Jan-Dhan Yojana (PMJDY), now the world’s largest financial inclusion scheme, was launched on August 28, 2014, with the aim of ‘Banking the Unbanked’, resulting in 179 million accounts being opened in the first year alone. The PMJDY’s objective has been to ensure access to various financial services, such as basic savings bank accounts, need-based credit, remittance facilities, insurance, micro-credit, and pensions for excluded sections, namely weaker sections and low-income groups. PMJDY accounts recently crossed the 530 million mark, with over 53 crore accounts opened in the past ten years, and deposits exceeding a substantial Rs 2.31 lakh crore. [...] Coming back to Jan Dhan, more than 1.5 lakh ‘Bank Mitras’ became part of PMJDY to ensure it reached the remotest and poorest parts of India. Under the PM Garib Kalyan Yojana (PMGKY), a sum of over Rs 30,945 crore was credited into the accounts of women PMJDY account holders during the COVID-19 lockdown. In fact, thanks to the JAM trinity, with Jan Dhan accounts at the forefront, the adverse impact of COVID-19 was significantly minimised in India, particularly in terms of financial access.