The present study seeks to review the current status of the Pradhan Mantri Jan Dhan Yojana (PMJDY) and financial inclusion in India. For the sustainable development of the Indian economy, the Government of India launches Pradhan Mantri Jan Dhan Yojana (PMJDY) on 28 th August 2014. Financial inclusion is an innovative idea which empowers the alternative techniques to encourage the banking traditions and acts as an enabler in reducing the poverty. A total of 18.28 crores accounts have been opened in rural areas by public sector bank, Regional Rural Bank (RRB) and private sector bank by 7 th Feb 2018. Thus, 31.07 crores accounts have been opened in rural and urban areas. An amount of ` 74534.79 crores was in accounts which were opened under PMJDY. Household coverage was 100% in the district wise account opening report of Haryana state, while household coverage found 100 per cent in North Zone of India except J&K (99.71%). We can say that PMJDY scheme is playing a significant role in creating a universal platform for financial services for every citizen of India.

Development process of any system is dynamic in nature and depends on large number of parameters. This study attempted to capture latest dynamics of development of districts of Eastern Uttar Pradesh in respect of three dimensions- Agriculture, Social and Infrastructure. Techniques adopted by Narain et al. (1991) have been used in addition to Principal component and factor analysis. Ranking seems to very close to ground reality and provides useful information for further planning and corrective measures for future development of Eastern UttarPradesh’s Districts. The Composite Indices (C.I.) of development in respect of 18 developmental indicators for the total 28 districts of eastern Uttar Pradesh have been estimated for the year 2010-2011. The district Barabanki was showed a higher level of development (C.I. =0.10) in Agricultural development compared to Social development (C.I.=1.12) and Infrastructural development (C.I. =0.89) followed by the district Ambedkar nagar (Agricultural, C.I. =0.52), (Social, C.I. =1.12) and (Infrastructure, C.I. =0.89). District Allahabad secured first position in the Social development (C.I. =0.81) and second in Infrastructural development (C.I. =0.34) as compared to Agriculture (C.I. =0.93). District Varanasi was the most developed district in Infrastructure (C.I. =0.10) as compared to Agriculture (C.I.=0.96) and Social (C.I. =0.96). As per findings of the study, the two districts Mau and Jaunpur were down in their ranking and the districts Chandauli and Maharajganj improved their ranking.

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Purely monetary approach to poverty measurement does not provide a true picture of deprivations or wellbeingness of households. Aspects based poverty measurement using multiple dimensions of deprivation gives a more complete picture of poverty. In this investigation, the Multidimensional Poverty Index (MPI) has been used to study deprivations experienced in multiple dimensions of drinking water, sanitation and housing facilities in urban Haryana. For estimation of the poverty across the urban areas of Haryana, household level secondary data from 69 th round of NSSO survey on selected indicators of drinking water, sanitation and housing facilities have been used. Based on MPI estimates the urban households in the district of Mewat have been found to be most deprived in reference to drinking water, sanitation and housing facilities in urban Haryana followed by Fatehabad, Rohtak, Mahendragarh, Jhajjar and Ambala. Highlights m Multidimensional poverty index at district level has been calculated using selected indicators of aspects drinking water, sanitation and housing facilities in urban Haryana.

The issue of poverty estimation in India has been drawing attention since independence. The process for measuring poverty in India was initiated in early sixties, when a working group from planning commission provided a quantification of minimum food and non-food requirements of individuals for a healthy living. Theoretical developments on poverty measurement have gradually shifted from the traditional unidimensional approach to the multidimensional concept.[1] Pointed out that the study of poverty should identify and analyze attributes than monetary which directly influence the individual welfare. In the present study, estimation of poverty in rural Haryana has been undertaken on the aspects of drinking water, sanitation and housing facilities. For estimation of the poverty, the secondary data on selected indicators of drinking water, sanitation and housing facilities from 69 th round of National sample survey office (NSSO) survey have been utilized. The multidimensional poverty index (MPI) using the dual cut-off method based on the counting approachhas been applied for estimation of the aspect based multidimensional poverty in rural Haryana. It involves counting the different types of deprivation that individuals experience at the same time. These deprivation profiles are analysed to identify who is poor, and then used to construct a MPI. Using the MPI, the districts Mewat, Rohtak, Palwal, Jhajjar and Fatehabad have Tanwar and Hooda; AIR, 10(5): 1-8, 2017; Article no.AIR.34765 2 higher value of MPI and indicating high level of poverty while districts Rewari, Kaithal, Bhiwani, Mahendragarh, Kurukshetra, Faridabad and Ambala were found in better condition. Effective awareness programmes about various schemes provided by government should be conducted so that villagers get to know about various benefits and the ways of approaching for getting benefits given by state/central government. Original Research Article