PMJDY, Digital Payments and Financial Literacy as Determinants of Financial Inclusion in India : An Empirical Analysis. Vagisha International Multidisciplinary Research Journal, [S. l.], v. 1, n. 4, p. 29–40, 2026. DOI: 10.67185/vimrj.v1i4.29. Disponível em: https://vimrj.com/index.php/vimrj/article/view/29. Acesso em: 28 oct. 2026.