Srinagar, Aug. 1 -- Financial inclusion refers to the availability and accessibility of affordable financial services to individuals and businesses that otherwise remain outside the formal banking system. It ensures that people, regardless of their income or location, can carry out basic financial activities such as saving, making payments, securing credit and obtaining insurance in a reliable and accessible manner. In recent years, several government-backed schemes have aimed to extend this access across Jammu and Kashmir, gradually integrating remote and rural populations into the financial mainstream. The Pradhan Mantri Jan Dhan Yojana has been one of the key vehicles in expanding the reach of financial services. The scheme has made co...