Which is the National Mission for Financial Inclusion to ensure access to financial services, namely, a basic savings and deposits accounts, remittance, credit, insurance, pension in an affordable manner?

Correct — B. The stem is the Government's own description of Pradhan Mantri Jan Dhan Yojana, the National Mission for Financial Inclusion, launched on 28 August 2014.

Its promise is exactly the list the question recites: a basic savings account, remittance, credit, insurance and pension, made available at affordable cost to households with no bank account.

The account carries no minimum balance requirement and comes with a RuPay debit card → option (b).

Why the others are wrong

• (a)
  Swarnjayanti Gram Swarozgar Yojana — Swarnjayanti Gram Swarozgar Yojana was a rural self-employment programme built on self-help groups, later restructured into the National Rural Livelihoods Mission. It created livelihoods, not bank accounts.
• (c)
  Deendayal Antyodaya Yojana — Deendayal Antyodaya Yojana is a livelihood mission for the rural and urban poor, working through self-help groups and skilling. Access to banking is a by-product for it, not its stated mission.
• (d)
  Deen Dayal Upadhyaya Grameen Kaushalya Yojana — Deen Dayal Upadhyaya Grameen Kaushalya Yojana is a placement-linked skill training scheme for rural youth under the Ministry of Rural Development. It trains for jobs, not for banking access.

Financial inclusion means putting a bank account, credit, insurance and pension within reach of every household at affordable cost.

PMJDY, launched on 28 August 2014 and run by the Department of Financial Services under the Ministry of Finance, is the mission that carries that mandate.

It opens a Basic Savings Bank Deposit Account with no minimum balance requirement, issues a RuPay debit card, and makes the account the rail on which direct benefit transfer runs.

That account is also the anchor for the government's later micro-insurance and pension schemes, which need a bank account to enrol into.

Key facts

• PMJDY was launched on 28 August 2014 as the National Mission for Financial Inclusion.
• It is implemented by the Department of Financial Services, Ministry of Finance.
• The account it opens is a Basic Savings Bank Deposit Account with no minimum balance requirement.
• Accounts opened under it come with a RuPay debit card.

Common traps

• Picking a scheme by the Prime Minister's or Deendayal's name instead of by its stated mission.
• Confusing financial inclusion with financial assistance — PMJDY provides access, not a grant.

No directly related past PYQ was found.