JK MONITOR - NABARD pioneers promotion of Financial Inclusion in J&K UT through numerous initiatives, Aids installation of 12000 POS machines, 400 micro ATMs to take banking to rural areas

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October 2026

Details: Written by: JK Monitor News Network; Category: Headlines; Published: 17 January 2025

JAMMU: National Bank for Agriculture and Rural Development (NABARD) has played a crucial role in promoting financial Inclusion in UT of Jammu & Kashmir. Over the past years, NABARD has conducted more than 16000 Financial and Digital Literacy Camps (FiDgi) covering around 4 lakh rural individuals to educate them about government schemes, banking services, and safe use of digital tools through its partners.

NABARD has also supported the installation of over 12,000 POS and mPOS machines to encourage cashless transactions in remote areas to various banks. To bring banking closer to people, NABARD has introduced and sanctioned 13 mobile vans to various banks that demonstrate banking technologies and run awareness campaigns. Further, NABARD has facilitated promotion of 11000 Joint Liability Groups (JLGs) in the UT for purveying credit in the rural areas to benefit small/marginal and landless farmers.

Additionally, 48 Centers for Financial Literacy (CFLs) have been set up in the UT to teach people about banking products and help them make better financial decisions. NABARD has also provided grant to banks to deploy 400 micro-ATMs to provide doorstep banking services in underserved areas. Understanding the need for reliable services in off-grid areas, NABARD has provided a grant of ₹2.89 crore to install 289 solar-powered units at banking points to ensure continuous services. It has also helped local banks adopt modern Core Banking Systems (CBS), which allow seamless digital banking for customers.

To make digital transactions safer, NABARD has introduced features like the Positive Payment System for cheque verification and the Green PIN Facility for secure ATM PIN generation. NABARD’s efforts are bridging gaps in financial access, improving livelihoods, and bringing economic growth to rural Jammu & Kashmir.

October 2026

Your voice can reach the world: At JK Monitor, we firmly believe that every well-researched idea has the power to inspire change beyond geographical boundaries. We are delighted to share an encouraging message from one of our esteemed contributors, Dr. Rakesh Verma (J&K Forest Services). “His article, ‘When Trees Become Rights-Bearing Citizens: A Lesson from Canada for India’s Ecological Future,’ published on JK Monitor, received appreciation from La Compagnie des Papillons Bleus, the French non-profit organisation that founded and promotes the Universal Declaration of Tree Rights.”. Read the message here

In loving memory of Dr. Priya Ranjan: A mentor who treated me like family

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When he appointed me Editor-in-Chief of JK Monitor, he never treated me as an employee, but as a younger brother, offering warmth, trust, respect and invaluable guidance. I will always be grateful for his faith in me, his encouragement and the lessons he shared.

Dr. Ranjan was a rare and noble soul—humble, compassionate, intellectually brilliant and always willing to help others. A visionary thinker, he believed in using knowledge and abilities to make a meaningful difference. His influence lives on through the people he guided, the work he inspired and the countless lives he touched.

For me, he will always be the elder brother who believed in me and guided me with affection. I will cherish his kindness and lessons forever. May his soul rest in eternal peace. He will be deeply missed and never forgotten.

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A brilliant mind who studied at Netarhat Residential School and graduated in Electrical Engineering from IIT Kharagpur before earning his PhD from the University of Maryland, Dr. Ranjan chose to return to India and dedicate his life to teaching, research and social good.

His pioneering work in networked systems, AI, robotics and biomedical applications—especially computer-vision tools for early detection of cancer and heart disease—reflected his deep belief that advanced technology must serve humanity.

For more than 15 years at JK Monitor, he remained a loyal friend, mentor and collaborator, marked by rare humility, intellectual integrity and quiet generosity. His passing leaves a void that cannot be filled. Priya, you will be deeply missed. Your life continues to remind us that knowledge finds its highest purpose in the service of others.

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