Breaking Barriers

A Decade of Transforming Financial Inclusion in India

Supreet Kaur

About the Book

This book presents a comprehensive and empirical examination of the impact of financial inclusion on marginalized communities, with a particular focus on industrial workers. Incorporating a two-phased study conducted over an extended period, it rigorously assesses how government initiatives such as PMJDY, APY, and DBT, alongside the transformative role of UPI, have significantly advanced the integration of these workers into the formal financial system over the past decade. The research highlights notable progress as well as persistent challenges. Offering evidence-based policy
recommendations, this work provides valuable frameworks to enhance financial accessibility, promote sustainable economic empowerment, and foster inclusive growth.

About the Author

Supreet Kaur, Assistant Professor in the Department of Commerce at the University of Delhi, is a distinguished academician with specialized expertise in financial inclusion, taxation, and consumer behavior. A recipient of the prestigious FRP (IoE) and other research grants, she has disseminated her scholarly work at numerous
esteemed national and international conferences. Her research has garnered widespread recognition, earning several accolades—including Best Paper Awards from IIM Bodh Gaya, EURAM, University of Delhi, and the esteemed Prof. P.N. Singh Award— underscoring her impactful contributions to the field of commerce.

Contents in detail

List of Tables and Figures
Acknowledgement
1. Introduction
Introduction Extent of the Financial Exclusion, Evolution and Conceptual Analysis of Financial Inclusion, Objectives of Financial Inclusion, Review of the
Initiatives, Role of Other Financial Institutions, Global
Financial Inclusion Scenario, Current Financial Inclusion
Status,  Challenges
2. Literature Review
Literature Review, Research Gaps, Proposed Model
3. Research Methodology
Introduction, Steps in the Research Methodology
4. An Overview of the Selected Schemes of DBT,
PMJDY, and APY
Introduction, Direct Benefit Transfer Scheme (2013), Pradhan Mantri Jan Dhan Yojana (2014) Atal Pension Yojana (2015), Conclusion
5. Impact of Financial Inclusion on Industry
Workers Introduction, Profile of the Respondents, Financial
Inclusion of Industrial Workers Through Socio-Economic
Empowerment, Conclusion
6. Problems Faced by Industrial Workers and
Bank Employees with Respect to Selected Schemes
Problems Faced by Industrial Workers, Problems Faced
by Bank Employees, Conclusion
7. Post-pandemic Insights from an Interpretative Phenomenological Analysis
Lens Introduction, Research Methodology, Data Analysis, 
Findings, Conclusion
8. Summary, Findings, and Suggestions The Journey So Far, Research Methodology, Data
Analysis and Interpretation, Conclusion, Suggestions.