'Pradhan Mantri Jan-Dhan Yojana' has been launched for

1. A

   providing housing loan to poor people at cheaper interest rates.

   (a) providing housing loan to poor people at cheaper interest rates. That describes housing-credit schemes such as PMAY-linked bank loans or earlier IAY/RAY credit windows. Jan-Dhan is a bank-account and inclusion mission, not a housing-loan product, so it is not the key.

2. B

   promoting women's Self-Help Groups in backward areas

   (b) promoting women's Self-Help Groups in backward areas. SHG promotion is the terrain of NRLM/DAY-NRLM and related livelihood missions. PMJDY may later link accounts to SHGs, but its launch mandate is not SHG promotion, so (b) is not the key.

3. C

   promoting financial inclusion in the country

   (c) promoting financial inclusion in the country. Pradhan Mantri Jan-Dhan Yojana (August 2014) is the national mission for universal access to banking: a basic savings account, RuPay debit card, overdraft after due diligence, and accident insurance. The official object is to bring the unbanked into the formal system. That is the official key.

4. D

   providing financial help to the marginalized communities.

   (d) providing financial help to the marginalized communities. Direct cash or welfare transfers sit in DBT, pensions and scholarships. Jan-Dhan creates the account rail; it is not itself a grant scheme for the marginalized, so (d) is not the key.

Summary. Official key is (c) promoting financial inclusion in the country. PMJDY was launched in 2014 as a Mission-mode drive for every household to hold a basic bank account with a RuPay card and in-built accident cover. Housing loans, SHG promotion and targeted grants are other schemes. The programme’s stated aim is inclusion of the unbanked, not a credit or subsidy product. Only (c) matches that mandate.