Which of the following Schemes/initiatives have played major role in the inclusion of the disadvantaged groups under the formal economic net. I- Aadhar II- registration of unorganised workers on the e-shram portal III- SVANidhi IV- MSMEs on the Udayam portal

Based on the pillars of a digital identity Aadhar, linking bank accounts with PM-Jan Dhan Yojana, and the penetration of mobile phones (JAM Trinity), the country has witnessed significant progress in financial inclusion in recent years. The population covered with bank accounts increased from 53 per cent in 2015-16 to 78 per cent in 2019-21 (as per NFHS). International evidence shows that countries at the same level of development have taken almost The creation of digital identities such as Aadhar, registration of unorganised workers on the e-shram portal, street vendors on SVANidhi, taxpaying firms on GSTN, and MSMEs on the Udayam portal, has played a significant role in the inclusion of these groups under the formal economic net.