Human rights , Financial Inclusion

In municipal and international law, human rights are recognized as moral principles or standards for human behavior. Commonly understood, they are the inalienable rights that a person is inherently entitled to simply because they are human and that it is "inherent in every individual", regardless of age, nationality, location, language, religion, or another status. Since they are universal, they are applicable anywhere and anytime and are egalitarian since they are the same for everyone.  In general, human rights are meant to require empathy and the rule of law and impose an obligation on individuals to respect others' human rights, and they should not be taken away unless specific circumstances require it.

Human Rights in India- As well to investigating complaints of human rights violations, the Commission has other duties, such as reviewing the safeguards provided under the Constitution and any Law, making recommendations for the effective implementation of international conventions and covenants, conducting research, and holding seminars and discussions on human rights issues, spreading awareness about human rights and promoting the efforts of non-governmental organizations.

• He also held camps to address pending cases and public hearings to resolve the issues of Scheduled Castes and Scheduled Tribes across the country.
• In addition, he visited districts in the United States to assess the implementation of various human rights measures. and the implementation of welfare schemes, in order to make recommendations to governments that are committed to ensuring good governance.
• The organization has addressed numerous key human rights issues, which include bonded and child labor, prison reform, food and nutrition, mental health care, rights of persons with disabilities, silicosis, pesticides in food, pricing of drugs, corporate social responsibility, manual scavenging and sanitation, and women's rights.
• Apart from releasing newsletters each month in Hindi and English, the Commission also publishes books and journals on human rights. Additionally to the Center and the State Governments, several organizations, NGOs, and the media have actively lent support to the efforts of the NHRC towards advancing human rights.

Human Rights Council- Human rights abuses are investigated by the UN Human Rights Council, created in 2005. The UN General Assembly elects 47 of the 193 member states to the United Nations Security Council by a simple majority. 

• A member can be suspended for serious human rights violations after serving up to six years. Geneva is the council's headquarters, and it meets three times a year, with additional meetings for urgent situations.
• Council members retain independent experts (rapporteurs) to investigate allegations of human rights abuses and to report to the council.
• Even if the question referred to does not fall within the normal jurisdiction of the ICC, the human rights Council may request that the Security Council refer the case to the International Criminal Court (ICC). 

Financial Inclusion

By definition, financial inclusion is the process of ensuring that vulnerable groups, such as weaker sections and low-income groups, have access to financial services and timely and adequate credit when they need it, at an affordable cost. In general terms, financial inclusion refers to universal access to a wide range of financial services at an affordable cost. As well as banking products, other financial services such as insurance and equity are also available

National  Financial Inclusion Strategy- Bringing together all players in the financial sector, the National Finance Strategy Inclusion 2019-2024 outlines the vision and main objectives of India's financial inclusion policies.

• Providing access to formal financial services in an affordable manner, promoting financial literacy and consumer protection, and broadening and deepening financial inclusion are the objectives of the strategy.
• RBI has prepared the National Strategy for Financial Inclusion for India 2019-2024 under the aegis of the Financial Advisory Board on Inclusion with input and input from the Government of India, SEBI, IRDAI, and PFRDA.

Pradhan Mantri Jan Dhan Yojana- The Pradhan Mantri Jan Dhan Yojana is a government program that aims to increase affordable access to financial services such as bank accounts, remittances, credit, insurance, and pensions for Indian citizens (minors age 10 and older can also open an account with a guardian). Narendra Modi, the Prime Minister of India, launched this financial inclusion campaign on 28 August 2014. The initiative was announced in his first Independence Day speech on 15 August 2014.

Pradhan Mantri Mudra Yojana- The Pradhan Mantri Mudra Yojana (PMMY) is a flagship scheme of the Government of India to provide affordable credit to unfunded enterprises by bringing them into the formal financial system. For non-farm income-generating activities, the scheme allows small borrowers to borrow from all Public Sector Banks, including PSU banks, Regional Rural Banks, Cooperative Banks, Private Sector Banks, Foreign Banks, Micro Finance Institutions (MFIs), and Non-Banking Finance Companies (NBFCs). On 8th April 2015, the Hon'ble Prime Minister launched the scheme.