Prime Minister's Public Finance Scheme) is a financial inclusion program of the Government of India open to Indian citizens (minors of age 10 and older can also open an account with a guardian to manage it), that aims to expand affordable access to financial services such as bank accounts, remittances, credit, insurance and pensions.

This financial inclusion campaign was launched by the Prime Minister of India Narendra Modi on 28 August 2014.

Run by Department of Financial Services, Ministry of Finance, under this scheme 15 million bank accounts were opened on inauguration day.

[13] Uttar Pradesh and West Bengal have 29% of the total deposits under the scheme,[14] whereas Kerala and Goa became the first states in the country to have at least one basic bank account in every household.

A total of 227 million RuPay cards have been issued by National Payments Corporation of India (NPCI) till August 2017.

While the program has made significant headway towards genuine financial inclusion, it is clear that improving policy communication, widening and deepening progress in low-income states, and ironing out the kinks in the bank-agent model will be crucial if these hard-fought gains are to prove sustainable.

As per the government notice, only those people would get the overdraft facility whose transaction record has satisfactory operations in their account for some time.