Suddenly everybody’s heard of the Pradhan Mantri schemes. The driver knows about it, so does the housekeeper, the sweeper, the plumber, the “pressguy” and the fruitwala. Some bank branches are buzzing—long queues and lots of excited chatter. What’s up? We could call it the Modi push. On 9 May, he launched three financial inclusion schemes that offer life cover, accident insurance and pension. These ride on the first Modi push—the Jan Dhan Yojana, under which 125 million bank accounts were opened by 31 January 2015. This, in turn, rides on the Aadhaar unique identity card. With more than 810 million unique identity numbers covering 67% of residents in India already issued, the base for a large-scale financial inclusion programme has been built.