The Pradhan Mantri Jan Dhan Yojana’s alleged impact on the empowerment of Kashmiri rural women has been brought to light by the conducted study. The literature exploration has demonstrated the important role women have played in a society’s socioeconomic growth and the inevitability of their contribution to financial inclusion. Financial literacy, women and financial inclusion, banking habits, and women factors are the framework of the structured questionnaire designed to accomplish the research study’s goal of examining how the Pradhan Mantri Jan Dhan Yojana empowers rural women in Kashmir. The outcomes of an empirical investigation on financial inclusion in Kashmir have confirmed that it has improved the financial development of Kashmiri rural women.