Even after 69 years of independence, a large section of population in India is still facing several challenges regarding access to all financial facilities provided by the Government. Around 53.1% of adults in India have a bank account and nearly 33.1% use ATMs to withdraw cash from banks (Report of World Bank Group, 2015).The scenario in the rural area is very pathetic. The Central Government and the State government have implemented various schemes for the betterment of the Indian people from time to time. Initiatives have been taken for implementing various plans and programmes by forming several Commissions in the recent years.73rdConstitutional Amendment was the very important for the Indian rural people, as major policies were taken for the development of the rural areas. The Pradhan Mantri Jan Dhan Yojana (PMJDY) has given the opportunity to the people to access the financial services in an affordable manner for the purpose of financial inclusionwhere every household having at least one basic banking account, can get universal access to formal credit, insurance cover and pension facilities.The main aim of the study is to identify whether the plans under PMJDY so implemented are effectively running or not particularly in the rural area. This study is developed based on both primary and secondary data. From the study it is revealed that a large section of the rural people is still not so much aware of this program.