This article looks into the awareness of the PMJDY scheme among rural people in Palakkad, Kerala. The country's economy is growing at a faster rate, but the growth is not inclusive, as the economic condition of the people in rural areas worsens. A few people in our country are enjoying all kinds of financial services, including zero balance facilities, net banking, mobile banking, and health insurance, but 40% of our citizens lack access to basic financial services, such as savings, small credit, and insurance. Financial inclusion will boost the financial condition and standard of living of financially excluded citizens in the country. Therefore, it is necessary to explore the awareness level of people towards PMJDY schemes. The study finds that in rural areas, people are not aware of the scheme, and they open a bank account only. For the effectiveness of this scheme, the government must adequately provide awareness to rural people.