← All questionsGS3 · 2016 · Indian Economy ·Financial Inclusion
QUESTION 3
GS3
12.5 marks

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing the unbanked to the institutional finance fold. Do you agree with this for financial inclusion of the poorer section of Indian society? Give arguments to justify your opinion.

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9 min
200 words
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What the examiner wants

Justify the exact proposition in the PYQ — “Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing the unbanked to the institutional finance fold. Do you agree with this for financial inclusion of the poorer section of Indian society? Give arguments to justify your…” — using concept/chronology or mechanism, evidence on both sides where relevant, and a conclusion that answers the directive rather than merely describing Financial Inclusion.

JustifyAnswer exactly what the question asks.

Demand-wise check

  1. 1For the prompt cue ‘Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing the unbanked to the institutional finance fold. Do you agree with’, directly answer: Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing the unbanked to the institutional finance fold≈45 words
  2. 2For the prompt cue ‘Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing the unbanked to the institutional finance fold. Do you agree with’, directly answer: Do you agree with this for financial inclusion of the poorer section of Indian society?≈45 words
  3. 3For the prompt cue ‘Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing the unbanked to the institutional finance fold. Do you agree with’, directly answer: Give arguments to justify your opinion≈45 words

Open in about 30 words and close in about 30.

Answer plan

Define/contextualise Financial InclusionExplain mechanism/chronologyQuestion-specific evidence/examplesImplicationsConcise conclusion

Where marks usually go

  • For the prompt cue ‘Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing the unbanked to the institutional finance fold. Do you’, avoid a generic note on Financial Inclusion; answer the actual wording/directive and the Financial Inclusion proposition
  • For the prompt cue ‘Pradhan Mantri Jan-Dhan Yojana (PMJDY) is necessary for bringing the unbanked to the institutional finance fold. Do you’, do not add examples around Financial Inclusion unless they prove, qualify or rebut the proposition asked

Value addition

  • 3-box flow: concept/context → core argument/evidence → implication/way forward
    → Draw it in the body, next to the point it supports.

Official source anchors

These are authoritative sources selected for this exact PYQ. Where a card is an official-domain anchor rather than a fact-level citation, verify the precise provision, definition or data point on the linked source before using it.