The Government of India has launched a Saturation Campaign for Financial Inclusion schemes to ensure universal coverage of eligible beneficiaries across six flagship programmes: PM Jan Dhan Yojana, PM Jeevan Jyoti Bima Yojana, PM Suraksha Bima Yojana, Atal Pension Yojana, PM Mudra Yojana, and Stand Up India. The campaign targets uncovered rural and semi-urban households, directing banks and Business Correspondents to conduct door-to-door outreach to eliminate exclusion gaps in government welfare delivery.

Financial inclusion saturation campaigns are a policy tool used when schemes have high design coverage but uneven ground-level penetration. The six schemes targeted here represent distinct pillars of India's financial inclusion architecture: PM Jan Dhan Yojana addresses basic banking access (zero-balance accounts); PM Jeevan Jyoti Bima Yojana (PMJJBY) provides life insurance at ₹436/year for ₹2 lakh cover; PM Suraksha Bima Yojana (PMSBY) offers accidental death cover at ₹20/year for ₹2 lakh; Atal Pension Yojana (APY) targets unorganised sector workers for pension security; PM Mudra Yojana provides collateral-free loans up to ₹10 lakh in three tiers (Shishu, Kishor, Tarun); and Stand Up India facilitates loans of ₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs.

The saturation approach reflects a shift from passive scheme availability to active last-mile delivery — a recurring policy theme in India's welfare architecture (similar to the Ayushman Bharat saturation drive). Business Correspondents (BCs) are central to this effort, as they serve as banking agents in unbanked areas. For RBI aspirants, this connects to Priority Sector Lending norms and financial inclusion targets. For NABARD aspirants, the rural credit and BC network angle is critical. For UPSC aspirants, this illustrates the Direct Benefit Transfer ecosystem and the governance challenge of welfare scheme saturation in federal India.