<span style="color: #222222;">Union Minister of State for Finance Bhagwat Karad today virtually addressed the 13th Banking and Finance Conference of the Indian Merchant Chamber in Mumbai. Addressing the conference on the theme 'Harnessing Banking and Finance to Drive India's Growth', Mr Karad said that various reforms have been made in the financial sector in the last 9 years. The minister mentioned the JAM (Jan Dhan-Adhaar-Mobile ) prominently among various other reforms of the finance sector.<br />''<br />''Shri Karad added that the PM SVANidhi scheme and Mudra Yojana have helped in developing the economy at the ground level. Highlighting the huge surge in PM Jan Dhan accounts, the Minister said that schemes like Direct Beneficiary Transfer ensure that we are able to reach the beneficiaries directly.</span><br />