Research question: What patterns exist in financial inclusion across India, and which states have made progress vs. stagnation in bringing unbanked citizens into the formal banking system?
Despite PMJDY bringing hundreds of millions into the formal banking system since 2014, financial inclusion remains uneven. This project tracks metrics across India's 20 largest states to surface where enrollment succeeded but usage lagged.
National totals are real, published Ministry of Finance figures. State-by-state breakdown is synthetic — built from real population shares and rural patterns, not observed PMJDY state-level data.
A logistic enrollment curve matching PMJDY's documented rollout; falling zero-balance rates reflecting usage deepening over time; lower deposits in more rural states — a documented pattern, not invented.